So. Thema wieder offen. Das Thema Sprachen des Forums ist jetzt ausgegliedert worden. Bitte diskutiert sachlich und respektvoll dort weiter. → [Forum] Sprachen
Ihr findet dort auch ein offizielles Statement vonseiten Tomorrows. Happy discussion!
Thanks for the comments and directions - especially Kwitt (which I had forgotten about), and GNU Taler.
The core of my question relates to behaviour rather than technology, although the two are connected. Changing behaviour generally involves a carrot/stick approach, where you offer some benefit to drive the change, and subsequently make the older process less attractive.
The payments industry did this with chip cards, firstly by making chip transactions a little cheaper for the merchant, and then making the non-chip participant liable for counterfeit fraud. Now there are 9B chip cards in the world for payment.
Solaris supporting Kwitt, and the Tomorrow App having the QR codes to drive it would be cool. Tomorrow App QR code display to a Sparkasse App QR code reader would be great, but I’m ahead of myself.
Can P2P in a domestic German context be… sustainable, low cost, useful, needed, easy to use, safe, secure, quick, reliable, inclusive and interoperable? I think we’d need a big yes to all of these before looking at a specific technology solution.
For me, the critical detail is seeing it as commodity.
This is where Cringle failed. Cringle had a good app, good UX, and a simple technology (basically what Kwitt does, just with „regular“ SEPA transfers). And they had the support of Germany’s 2nd largest online bank DKB, which also invested in the startup.
It was integrated into the DKB app to some extend, and customers who didn’t have their account with DKB could download the app, register their third party account, and the use it that way.
Cringle’s business model was to convince other banks besides DKB to integrate it in their banking apps – and pay for that. Because Cringle wasn’t able to make any money from customers using the product.
So, if I would stumble into an elevator and someone would pitch the idea for a P2P payment service, I would ask these questions: how would you convince bank account services to invest in your business, and what’s the general idea of where revenue is supposed to come from? Like Paypal, where the product is (mostly) free for consumers and expensive for businesses? Is the convenience of having it integrated in your account enough to convince you to use it, when you also could just use SCT inst (SEPA instant credit transfer)? How would you achieve a critical mass of accounts that can be reached via your product, assuming it uses some sort of look-up service, where users register with their phone number, @username or email address?
Further random bullet points:
– Start with Kwitt to integrate with the largest user base in Germany
– QR-codes is a fun idea to skip the look-up service in situations where users want to use that.
– integrate with social media / messaging platforms: „Siri, send Aiden 5 quid for drinks.“
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