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Cake day: July 1st, 2023

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  • When you think about it, it does make sense from the business point of view. Banks don’t make money on individual customers, so the ones that use physical locations. They make money off corporate customers, who are terribly unlikely to ever need to talk to a clerk in person. And with individual customers moving to online banking, it’s even less justifiable to run a physical location.





  • It’s different in Poland, because we don’t normally use credit or debit cards for online purchases — we use Blik, which is a proprietary inter-bank payment system based on one-time tokens which are only valid for 2 minutes. You don’t give your card information to Amazon or wherever you make a purchase (also compatible with regular contactless card terminals in physical locations) to charge you themselves however much they feel like, but rather provide a one-time code, confirm the transaction on your phone and you’re charged immediately.

    EDIT: oh and also it supports contactless payments via NFC on rooted phones so we got a workaround to Google messing with Gpay 8)