>seemed like a feature that prioritized user consent over making it easy to transact-- yes. the OTP/PIN concept has been firmly ingrained in everyone. It works

>seemed like a feature that prioritized user consent over making it easy to transact-- yes. the OTP/PIN concept has been firmly ingrained in everyone. It works fine and people are taught to not proceed if there isn't one or report if you saw a transaction that went without your approval. edge i would say the competition. Plus, the government is making the infra so companies can develop ON TOP of existing infra and create value. i am pretty sure you can have UPI across USA/EU in a matter of 2-3 years if people want that. That would also mean VISA/MC and PAYPAL would have to die an instant death but that would be the good thing