Harness is where the open source should shine. It doesn't require millions of dollars of compute but the search space is vast and explorable with limited budgets.
In our current understanding of how universe formed galaxies accumulate gradually and it takes time. This one was quite large already, very shortly after the Big Bang, which is at odds with our understanding.
I set up accounts in two different German banks. Both gave me girocard by default. I had to request Visa from one to attach to google wallet. I have no idea how to request Visa from the other bank.
If we could create a single solution on Europan level, based on cellphones first and order banks to provide service of access to it for all of their customers, free of charge, for the privilege of remaining in the market, it could be done.
European countries each have their system. But they do not interoperate. You can't pay with blik in Germany, you can't pay with German debit card in Poland.
Doesn't it depend on the country? Payments with Visa and MasterCard work very differently in various countires. In Poland you can pay 0.01€ with credit card and the seller will happily oblige. In Germany even few Euros they prefer to be paid in cash.
That's their cut in the US, the market with the highest total interchange fees. In other markets with lower total fees, it's hard to imagine Visa/MC's cut being higher. They do a pretty useful service for a pretty reasonable fee.
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