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A comment on UPI: India's Unified Payments Interface. Parent comment
Maybe I don't want to give people my phone number
Maybe I have multiple phones
Maybe I anticipate changing my phone number (maybe I hate my current carrier)
Maybe I want something easy for people to remember, or catchy "mybusinessname@mybank"
Forcing people to use a particular naming regime should only be done if there is a very compelling case for limiting your users
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Maybe I don't want to give people my phone number
Maybe I have multiple phones
Maybe I anticipate changing my phone number (maybe I hate my current carrier)
Maybe I want something easy for people to remember, or catchy "mybusinessname@mybank"
Forcing people to use a particular naming regime should only be done if there is a very compelling case for limiting your users