Yeah, I don't really get that. I can see some places using the old school card machines, but even getting a NFC/Paypass add-on costs literally 59$ for any retailer: https://squareup.com/ca/contactless-chip-reader
A retail store spends 59$ once and is suddenly able to service everyone using cardless transactions. Not getting that is bonkers to me even from the pure business perspective.
Having overcomplicated payment apps is also crazy. It's enough to just see how others are doing it, and doing something similar. Digital IDs are super convenient - you can have a physical card, but also a system accepting digital IDs. It really works well, if anyone needs to keep your ID (if that's legal in the states) there's an option to transfer its basic info through NFC in a secure system, through a government app, which is also more secure than giving someone your whole ID card.
Same with papers - e-documents are really as good as printed papers for all intents and purposes. Most businesses use scans anyway, which also come with the big detriment of not being easily search-able and having to store the original papers somewhere. Digital documents are simply better, not only greener. They can be signed across the world within seconds with digital signatures, no need for storage space, and they can be easily found in the system repository's search function that also works for their contents.
It just bugs me when we have the means to do cool things but we choose not to.
Oh and by the way.. my Canadian bank still doesn't work with Google/Android/Apple pay, not to mention me having a debit card I can't buy stuff online with Apparently I would have to get a credit card for the online shopping part (no Google/Android/Apple pay either) but being European, I REALLY don't want a credit card. Then apparently credit score is a thing here too, which I wouldn't build without one. That's sort of upside down from the European system, as having a credit card there lowers your chance to get the desired mortgage, showing that you can't live on what you make.
I don't mean to criticize on the system here so much, as I really like it in Canada, but some things are just really crazy to me and make me wonder why nobody's changed it yet.
A retail store spends 59$ once and is suddenly able to service everyone using cardless transactions. Not getting that is bonkers to me even from the pure business perspective.
Having overcomplicated payment apps is also crazy. It's enough to just see how others are doing it, and doing something similar. Digital IDs are super convenient - you can have a physical card, but also a system accepting digital IDs. It really works well, if anyone needs to keep your ID (if that's legal in the states) there's an option to transfer its basic info through NFC in a secure system, through a government app, which is also more secure than giving someone your whole ID card.
Same with papers - e-documents are really as good as printed papers for all intents and purposes. Most businesses use scans anyway, which also come with the big detriment of not being easily search-able and having to store the original papers somewhere. Digital documents are simply better, not only greener. They can be signed across the world within seconds with digital signatures, no need for storage space, and they can be easily found in the system repository's search function that also works for their contents.
It just bugs me when we have the means to do cool things but we choose not to.
Oh and by the way.. my Canadian bank still doesn't work with Google/Android/Apple pay, not to mention me having a debit card I can't buy stuff online with Apparently I would have to get a credit card for the online shopping part (no Google/Android/Apple pay either) but being European, I REALLY don't want a credit card. Then apparently credit score is a thing here too, which I wouldn't build without one. That's sort of upside down from the European system, as having a credit card there lowers your chance to get the desired mortgage, showing that you can't live on what you make.
I don't mean to criticize on the system here so much, as I really like it in Canada, but some things are just really crazy to me and make me wonder why nobody's changed it yet.
As for your Canadian bank, you can't shop online at all with a debit card? Is it a bank-specific policy or does it have something to do with you not being Canadian as yet? That's such an odd policy. I do all my online shopping with my debit card and I couldn't imagine having that restriction on me.