<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>inopinatus</author><text>&amp;gt; It amazes me how seemingly behind US banking is tech-wise.&lt;p&gt;This is a statement true in other infrastructure domains, from plumbing to roads to healthcare.  It was explained to me that although the US possesses world-class technology in practically every field, the deployment is mediated through a fragmented and diverse political economy.&lt;p&gt;That’s when I properly internalised how the US is federated not merely at the top level, but through many strata of localised governance, and the practical consequences thereof.&lt;p&gt;Couple this to the inertia of regulatory capture by entrenched wealth (which occurs in all human systems irrespective of political construct) and it’s easy to accept  that US retail banking, which is approaching three centuries of uptime, will be a very late adopter of mass-market technology.</text><parent_chain><item><author>filleduchaos</author><text>It amazes me how seemingly behind US banking is tech-wise. My home country for instance has the Nigerian Inter-Bank Settlement System for decades; it&amp;#x27;s quite similar to the UPI but primarily led by the central bank (plus participation is mandatory for all banks&amp;#x2F;bank-like institutions).&lt;p&gt;For anyone that&amp;#x27;s curious, the platform&amp;#x27;s home page at &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;nibss-plc.com.ng&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;nibss-plc.com.ng&amp;#x2F;&lt;/a&gt; has a nice little statistics summary of both POS and account-to-account transactions (you might have to scroll past the fold). There&amp;#x27;s five-minute and whole day numbers for total transactions and error rate broken down into types of errors - it&amp;#x27;s a nice bit of transparency.</text></item></parent_chain></comment><story><title>UPI: India&apos;s Unified Payments Interface</title><url>https://the-other-side.blog/upi-the-basics/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>blisseyGo</author><text>I think US (and other western countries like Canada, European countries etc) are VERY different from the Indian market. In US, Canada etc, everyone has an email and banks allow interactive payments already. I have yet to have a single time where I had problems paying someone for something. Interac etransfer works well. Even iMessage, FB messenger etc allow payments. Other services like PayPal, Stripe, Patreon cover the rest of the base.&lt;p&gt;India is a completely different market. There are millions of people there who don&amp;#x27;t even have a bank account, nor do they have email. The road-side vendors use cash.</text><parent_chain><item><author>filleduchaos</author><text>It amazes me how seemingly behind US banking is tech-wise. My home country for instance has the Nigerian Inter-Bank Settlement System for decades; it&amp;#x27;s quite similar to the UPI but primarily led by the central bank (plus participation is mandatory for all banks&amp;#x2F;bank-like institutions).&lt;p&gt;For anyone that&amp;#x27;s curious, the platform&amp;#x27;s home page at &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;nibss-plc.com.ng&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;nibss-plc.com.ng&amp;#x2F;&lt;/a&gt; has a nice little statistics summary of both POS and account-to-account transactions (you might have to scroll past the fold). There&amp;#x27;s five-minute and whole day numbers for total transactions and error rate broken down into types of errors - it&amp;#x27;s a nice bit of transparency.</text></item></parent_chain></comment><story><title>UPI: India&apos;s Unified Payments Interface</title><url>https://the-other-side.blog/upi-the-basics/</url></story>