<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>tempsy</author><text>I think Uber missed the opportunity to be a more full fledged wallet (which is what Grab started a few years ago). They have a &amp;quot;cash&amp;quot; product now where you can load money, but it&amp;#x27;s too little too late IMO, and the incentive to load money vs use your cc is small (e.g. tiny discount).&lt;p&gt;Starbucks is the obvious model here...IIRC they have one of the most success mobile payment apps in the country, even competing with Apple Pay despite being relevant to them alone.  They have something like $1.6 billion in balances, which they can monetize (free loan + interest).</text><parent_chain></parent_chain></comment><story><title>Neither, and New: Lessons from Uber and Vision Fund</title><url>https://stratechery.com/2019/neither-and-new-lessons-from-uber-and-vision-fund/</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>zwieback</author><text>When I was in Singapore I used the &amp;quot;grab&amp;quot; app, which is super popular and has both regular taxis and uber-like drivers (and food and other stuff).&lt;p&gt;What&amp;#x27;s different about Singapore and grab? Seems like a good model to me but it must involve heavy regulation to work.</text><parent_chain></parent_chain></comment><story><title>Neither, and New: Lessons from Uber and Vision Fund</title><url>https://stratechery.com/2019/neither-and-new-lessons-from-uber-and-vision-fund/</url></story>