Comment by PaulHoule

My understanding is the reason they are dead in the US is even though the banks might let you build payments into it they will not let you negotiate any discount in fees so you will have to add your own fees on top of their own fees. It begs the question of why a bank or consortium of banks hasn’t developed a super app.

When I gave this talk in late 2016

https://www.slideshare.net/paulahoule/chatbots-in-2017-ithac...

there was huge interest in messaging-centric apps as this runs around the boondoggle of having even the tiniest patch to your app get reviewed.