In a perfect world where all consumers had a smart-wallet in their phones (app) that was connected to their bank account, consumers could pay merchants directly via ACH, making CC merchant fees disappear.
Conceptually, is this correct?
The challenges to get there mainly be two:
1 - High consumer adoption (incentivized by a holistic cashflow planning/payments/borrowing)
2 - High merchant adoption to receive payment via these wallets (incentivized by no-merchant fee)
Any comments on this? Any companies that have tried it? We are exploring a product that solves both consumer pain points and merchant pain points in one interconnected system.
So let me tell you about myself, I graduated from college and i'm now working a big girl job. Even though my big girl job pays me enough, my spending habits have been horrible because of this subreddit.
I LOVE this subreddit. Everyone just looks so good, I want to buy! When in actuality, I don't need to buy, I already have too many clothes.
The people on this subreddit are so sweet! You guys helped me a lot during the pandemic (and still? The pandemic isn't over), when so much negativity and uncertainty was going around. This was an actual oasis for me, but I gotta go. My wallet has had enough😂😂😂
The past month, I have spend almost $400 on Lululemon which for me is a lot just for one month. I'm normally not much of a spender. I'm going to join a lowbuy subreddit and leave this one for now to help my wallet.
Will miss you guys.
I got into UCLA through the waitlist this year as an international student. I was so pumped I joined this sub instantly. I was so excited to come to UCLA. But as the COVID situation got worse in the US,combined with riots, large unemployment, and the concerns regarding cancellation of h1b, my parents and I have decided that the states may not be the best place for an international rn. And so I have decided to go to amsterdam. Anyways thanks for everything and hope I come back here for my masters ig lol. Take care bois
prolly my last also
How to enter , pick a number 1-500 and tell me a joke in that order . KEEP IT CLEAN
ex. 37, Knock Knock blah blah blah.....
Bundle 1- cert RLCS u/LachlanWills won
Bundle 2- for the breakout free stylers out there
Bundle 3- my old set up - the car (once the proud owner of everything beach related) u/PurpiNDro won
Bundle 4 - junk in the trunk u/Trooperkabra won
okay well.... that's it for now , I'm doing this as a thanks for the people who bought my creds and who are helping me pay my first months rent at my new place. also a big thank... keep reading on reddit ➡
This is, for me at least, great UI improvement, because all the wasted space with the vertical app side bar was causing me so much pain in the eyes.
Still, /u/ProtonMail please publish the beta change-log (as in Calendar) so we, the early adopters, can test them and provide feedback without having to discover ourselves what we are playing with.
Hello, I know no one really cares but I'm over brawlhalla. I'm sufficiently bored by the game and no longer want to trouble myself with brawlhalla, so I'm quitting :). I'm sorry that I didn't complete those guides but I'm sure someone else will get around to them and put in more effort than I put in. Obviously I'll still tickle my keys every now and then when I'm bored, but you probably won't see me in this sub reddit no more.
Farewell :) I love you all.
Dear all my fellow bowlers,
This is my good bye to one of my favorite hobbies. Bowling has been some of the most fun I’ve had, but sadly, it’s time for me to let it go. Recently, I injured my wrist while bowling and realized I have to stick to my main sport of powerlifting. While I don’t want to leave, I have to and I’d like to thank everyone on here for the support and tips I’ve gotten from you guys. So, from the bottom of my heart, thank you all and happy bowling!!!
To start: Sorry for my English its not my native language.
A few know me, alot don't. : )
I started trading for all painted uncommon toppers. Back in the day it was for crates. Since i never opend them it was nice i could still use them for something. I stopt for a while and came back again. Eventually ive collected all the uncommon toppers. But as you all know.. if you finish something there will always be another goal you will choose.
Meanwhile ive also started collecting the rate toppers. It was such a pain in the ass collecting the MMS Headphones. Especially since I didn't had the resources.The last 2 I needed were the pink and the sienna one. Thats the point i joined this group.
I created a post on reddit.
Ive created another post.
Some one replied.
He said i could buy them for 4000 credits each.He told me the MMS headphones were a dime. I told him about this website ive seen where i could buy them for like 2 euros each. He lauged and said that they would not be able to fi... keep reading on reddit ➡
Over the past years I've struggled with my mental behavior. I've tried to commit suicide multiple times, almost every time i chickened out. But now I've realized i have nothing to gain in life and i also have nothing to lose. I've talked to my friends about my depression, they were there for me at first, but i am not they're responsibility as they have their own life and own problems to worry about. I've done everything i could within my capacity to make myself feel better, nothing worked. I thought having a relationship would make me happy, but she left me. I don't blame her though. I'm just too miserable to be with. She already blocked me, now i have no one to talk to. My family is a mess, they're better off without me anyways. I can't finish my college course, I'm 6 years into architecture and I can't seem to graduate. I lost my part time job due to the pandemic. I have no money in my bank. Everything is just painful, and the only way out i can see is committing suicide. I am again,... keep reading on reddit ➡
Well, after almost nine years I am going to ditch Google Voice. I have loved the flexibility, the customization it offered, but that has now all been overshadows with a lack of functionality. I am tired of getting voice mail messages from calls that never rang the phone. I am am tired of having to disable GV so I can call with my cellular number because I can't get anything besides a busy signal with GV. I am tired of the frustration that on my Pixel phone I can message with almost every other service via voice, but I can't send a text message through GV; and the list goes on.
It is 2020 and my phone can do just about anything... but send and receive phone calls and after about a year... it just isn't worth it. I have no idea if Google is trying to kill GV without actually admitting as much, but they have done it for me. Six months ago I would have said I love Google and their products. I have recently come to the realization that I only love the "IDEA" of Google and their products.... keep reading on reddit ➡
I am one of those people that kind of hate children. I decided to be child-free a looong time ago but this job has made my cold heart open up to kiddos a little more.
I have a regular I have taught for a year. Today she told me it was our last class together because she was going to another company and she sang me "Last Christmas" as a good bye... I am fucking in tears 😢
How can this child break my heart? She is sweet and loving, drew so many hearts in class and told me she loved me. Now I understand what other teachers feel when their bao baos leave. It's a fact we build relationships with these children.
Robbers have come to village I think that phone will be stolen. I have have fun here. I have made many good friend, and want to send at last one last message to send if phone gets stolen is to always stay positive and love one another. Look past race, religion, and belief. Look at each other as fellow human. Stay positive, but now good bye. Hopeful will be able to write here again. I sorry I have let all down. Goodbye...