sv1sjpEU seeks to make 10-second instant bank payments a reality
BerührtGrasMaybe make the bank Apps a little more intuitive to use and make it easier to send recurring payments to your friends and the monopoly of paypal in germany could disappear
bob_lemonYeah. It’s really a UI issue at this point. Just a simple frontend to facilitate SEPA transactions to contacts (which could just be a simple Name -> IBAN map stored locally)
I could imagine something like an IBAN protocol - open an IBAN link as in iban://AB26374838388 directly with your banking app and auto fill the bank transfer menu. Only add the amount of money you want to transfer.
No idea what other implications that would have e.g. for security though
Oh, add an
?amount=32€ as well as a text=Pizza parameter and you're almost there ...
Idont’t think that’s a good idea, too many peoplr quickly pressing pay and then they tealizef only afyer paying thay there’s an extra 0
There's still plenty of steps that your bank app can (and will) take to verify this is as intended. Requiring the user to "parse" the URI is not scalable anyway, the app needs to present the information clearly (i.e. "Do you really want to transfer 123.45€ to IBAN abcd, you have not transferred money to this IBAN before, the IBAN indicates a bank in <country>" where the money amount is clearly highlighted).
I agree, still having to input the money manually is the best failsafe, how many people are used to just automatically hitting whatever button to make a message go away for example (even more with the cookies), best failsafe is inputting the money manually, you’d never mistakenly/automatically do that.