this post was submitted on 24 Jul 2023
303 points (98.7% liked)

Technology

60090 readers
5363 users here now

This is a most excellent place for technology news and articles.


Our Rules


  1. Follow the lemmy.world rules.
  2. Only tech related content.
  3. Be excellent to each another!
  4. Mod approved content bots can post up to 10 articles per day.
  5. Threads asking for personal tech support may be deleted.
  6. Politics threads may be removed.
  7. No memes allowed as posts, OK to post as comments.
  8. Only approved bots from the list below, to ask if your bot can be added please contact us.
  9. Check for duplicates before posting, duplicates may be removed

Approved Bots


founded 2 years ago
MODERATORS
 

Fed’s new instant payment system could be trouble for PayPal, Venmo::The Fed's goal is to connect 9,000 financial institutions nationwide.

you are viewing a single comment's thread
view the rest of the comments
[–] Iusedtobeanadventurer 10 points 1 year ago (1 children)

Yeah I'm failing to see how this replaces either of those benefits...

[–] Deuces 2 points 1 year ago

I can see it going either way. I think it's gonna come down to apple and Google getting on board. If they adopt tap to pay with this system vendors will have less incentive to accept credit card fees. If they don't, it won't become ubiquitous enough for any store to get away with not allowing it and consumers will look out for their own interest to keep taking the credit benefits. (I realize collective action would make that argument void, I doubt true collective action is possible in any senecio.)

That said, I cannot see a world where the banks let it get that far. This system relies on the banks cooperation and it wouldn't be the first time they bought a law.