On: The Secret API of Banks

[spookthesunset]

> This isn't a problem you can solve by changing the banking industry. This is a point-of-sale problem.

It's all part of a larger set of "problems with US financial services". The fact that it is technically different vendors is not relevant...

[JoshTriplett → spookthesunset]

It is if you want to solve the problem across the board, rather than having a niche system that a small handful of vendors use that just introduces one more surprising variation at payment time.