<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>johnwalkr</author><text>In Canada you’ve been able to send money to people for 15 years just by knowing their email address. You also set a security question. I also had a debit card I could use in most stores almost 30 years ago.&lt;p&gt;I was shocked as a young adult when I could travel in the US and use my debit card to get money at almost any atm, yet Americans had to sometimes seek out the correct ATM, even in their country.&lt;p&gt;I was shocked again in Japan when I moved here ten years ago when online banking was useless, transfers took up to 3 days, and most of the bank’s atms closed at 5 or 6pm. Oddly enough I could always find some atm open 24 hours that worked with my Canadian debit card, even when I could not find an atm open that worked with my Japan Post bank debit card. Those problems are all solved now, but it’s no wonder that there are now 30+ competing digital payment systems in Japan vs just a few in Canada. You also have to still really go out of your way when choosing a bank to make sure that your debit card will work overseas.&lt;p&gt;The original Canadian system is called Interac, and it’s nice that everyone has been able to use it for 30+ Years. I’ve never heard of anyone being blacklisted due to an error, like you hear about with PayPal and the other things that have come since then.</text><parent_chain><item><author>basisword</author><text>I find it odd things like this, Venmo, Square cash even need to exist. There’s a reason none of them get used much (or even exist) outside the US. Just fix banking in the US and they problems they solve disappear. In the UK (and the EU I believe too) bank transfers and instant and free. Digital banks like Monzo make it even easier (through contact syncing, better UI). Third party apps need not get involved.</text></item></parent_chain></comment><story><title>Apple Cash</title><url>https://www.apple.com/apple-cash/</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>x3ro</author><text>It is true that bank transfers are fast, instant most of the time these days. However, when people want to quickly send me money, they still usually ask for paypal, simply because it’s easier to tell someone a nickname or email address than my IBAN. not that this is an unsolvable issue, just sharing my experience from Germany.</text><parent_chain><item><author>basisword</author><text>I find it odd things like this, Venmo, Square cash even need to exist. There’s a reason none of them get used much (or even exist) outside the US. Just fix banking in the US and they problems they solve disappear. In the UK (and the EU I believe too) bank transfers and instant and free. Digital banks like Monzo make it even easier (through contact syncing, better UI). Third party apps need not get involved.</text></item></parent_chain></comment><story><title>Apple Cash</title><url>https://www.apple.com/apple-cash/</url></story>