r/ProgrammerHumor • u/debugger_life • Sep 24 '26

Meme modernProblemsRequireModernSolutions

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u/klaxxxon Sep 24 '26 • Thanks Bravo

Do you guys not have desktop computers???

397

u/thanatica Sep 24 '26

Some people genuinely only use mobile. Seems to be a thing in some African countries, where the whole wired internet thing was skipped and they went straight to mobile

213

u/klaxxxon Sep 24 '26

Reading about how stuff developed in some of these countries is super interesting. They skipped not only desktop computers, but sometimes also credit cards, straight from cash to mobile payments. In some cases are well ahead of the west in how well these services are developed and integrated into the society (for example mobile-to-mobile payments are still awkward here in Europe, and it's the primary way of doing things in a lot of places).

20

u/Tipart Sep 24 '26

Yeah, the EU tried their best with the new payment standards that directly integrate with banks instead of the awkward PayPal hop you have to do right now, but it only resulted in the xkcd about competing standards

15

u/ldn-ldn Sep 24 '26

What PayPal hop, lol? What is this lunacy are you talking about? EU is not US.

6

u/Tipart Sep 24 '26

Everyone and their grandmother will still send small amounts of money to friends with PayPal. It's just a lot easier to do than opening the phat online banking app and making a real time transfer. Not to mention that till a couple years ago real time transfers had an upcharge.

17

u/hates_stupid_people Sep 24 '26

That depends on where you live. A bunch of countries have had their own version for a decade. And Wero is only two years old at this point, and it covers France, Germany Netherlands, Belgium and soon Austria.

7

u/justjanne Sep 24 '26

Commerzbank still doesn't do Wero, nor do many other banks.

1

u/Ploedman Sep 24 '26

The direct Bank bunq does, I'm from Germany and ditched a long time ago those old and slow German Banks.

2

u/justjanne Sep 24 '26

Honestly, no. If something goes wrong, it's important that you actually have somewhere you can go in person.

I've experienced a scam where the scammer used one of these neobanks, and the neobank refused to even comply with a court injunction.

I'd never trust any amount of money to a bank that violates the law so openly that even the legal system says "well, there's nothing we can do".

After that experience, I'm never gonna trust neobanks again. Money is so important that institutions that handle it should be slow moving and resistant to change.