If BLIK is better then it will prevail over Wero. There is no law mandating Wero.
Just looking at the banks that make up each - 16 for Wero and spread over Germany, Belgium, France and the Netherlands versus 6 Polish banks - it feels like the systemic risk is higher with the latter. But time will tell.
Last year BLIK also signed a letter of intent to join the EuroPA which has Italian, Spanish and Portuguese banks involved.
These regulations were the reason that American Express pulled out of various European markets (but not all) as it became less/not profitable for them to issue their cards in those markets.
Co-branded Amex cards essentially became considered no different than 4-party cards and stopped being exempted from the cap interchange in 2018. Nothing changed for Amex proper. How would you even define interchange when it's indistinguishable from the scheme fee?
There's a reason every European PSP charges 2-4x higher fees with Amex cards.
My experience is that SMBs are generally not run by people who feel confident doing any kind of self managed IT.
No amount of LLM usage is going to change them into full stack vibe coders who moonlight as sysadmins. I just don't see it happening.
Not until, that is, a new generation, that has grown accustomed to the tech, takes over.
Until then the current SMBs will for the most part fulfill their IT needs from SaaS businesses (of which I think there will be more due to LLMs lowering the barrier for those of us who feel confident in our coding and sysadmin skills already).
Having seen how clueless the new generation is and the amount of brain rot they get from using LLMs over honing their own skills, I'd say it's the opposite...
There is a very large presence over at Mastodon when it comes to people well versed in web standards. The public discussions are often very lively (in a good way).
Can you link to some lists or an example discussion to seed my list to follow? Mastodon seems stalled out but I think it’s just a discoverability issue.
You say this like you are unaware of how the US has utilizied cheap manufacturing in China, relied on imported manpower from both developed and developing countries as well as, until recently, been a net importer of energy from other nations.
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