Comment by self_awareness
17 days ago
Europe, just adopt Blik.
Even Polish banks discourage using debit cards directly and just switch to Blik.
Lost card? There's no card, so doesn't apply. ATM skimmers? Nope, I think all ATM support Blik, so can't sniff anything. Want to send money to a friend? Instant mobile-friendly transfer. It's even possible that the family can pull the cash out from the ATM from your account when you're in a different city if you'll give out the code.
Not anonymous even for small amounts of money. Without tricks and workarounds Blik apps requires Google/Apple approved smartphone with Google/Apple approved build of the OS logged into Google/Apple account. Participation in the network is tied to private will have Blik association even on small scale.
I don't think having anonymous transactions is the goal for most people. For sure it's not the goal for Blik. The requirement of having a Google/Apple-cerified phone is a requirement of bank apps I think, not Blik's.
It does not matter on which layer the restrictions are applied here. Effect on society is the same - ability to pay only for those that give up on basic freedoms (which anonimity of payments and choice of device you carry are).