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> Laypeople are not the target audience for this Why not? There is no reason you couldn't buy a coke with it, with a fraction of the usual credit card fee. It

> Laypeople are not the target audience for this Why not? There is no reason you couldn't buy a coke with it, with a fraction of the usual credit card fee. It just needs to be implemented.

theptip 3y ago
Same reason that laypeople are not the target audience of AWS. It’s a building block you use to build a product, not a product.
- cubefox 3y ago
  Not necessarily. In Germany we have "GiroPay", which literarily redirects you to a prefilled form in your online banking website. You have to choose your bank, enter your PIN, and click "okay". It's basically the same complexity as PayPal. (It's not hugely popular currently because it's fairly new and credit based services like PayPal have a headstart.)
  - fastball 3y ago
    But GiroPay is a product built on whatever payment rail is in use in Germany. In the same vein you need "FedPay" to make this as easy for the consumers. FedNow by itself won't really cut it.
    - cubefox 3y ago
      Sure, but the overhead is pretty minimal.