1. sounds nice though! But how do they verify that it's actually you? Just matching the photo manually? People are terrible at that. Or do they scan a fingerprint?
Yes.
> People are terrible at that.
"Imperfect" doesn't mean "terrible".
4. We're indeed a bit later than elsewhere, but there are many now.
Don't forget that the banking world is still under a lot of pressure from the various government (systemic risk assessment for example) and the stakeholders. It's a mess!
Suppose you have a double Debit/Credit card issued in Poland and you're doing typical shopping for €10 on your way home. You use your card, it presents itself as a debit card, which means that the maximum transaction fee is capped at 0,2% as per EU regulation in effect since mid-2015, so you're paying whole two cents for that transaction. Truly life-changing amount of wealth.
Suppose that you're average Johan and your net salary is €2830. Let's assume that half of that is spent on various types of shopping - this means you spend €1415 a month, which means that each month the card company takes €2,83 from you. I don't know what about you, but if I had €2,83 extra each month, I'd immediately feel ultra-rich.
My Dutch bank account costs €4,30 while my Polish bank accounts are free.
You might say "but anal_reactor, what if tragedy happens and the card shows itself as a credit card, not a debit card?"
I have to admit, you have a point. These fees can be 50% higher capped at 0,3% which means that such average Johan would spend €4,25 on card fees each month. As we all know, €4,25 is more than €4,30 by "negative five cents".
I'm sorry, but if "credit cards are expensive" is your best argument against dual Debit/Credit cards working in NL then you are truly retarded and god be my witness I'm stating this as a fact, not an insult.
For some reason, most Dutch people are convinced that the way things work in the Netherlands is the gold standard of how things should work in general, and are very hostile to solutions from other countries even if those solutions are better by any sensible metric. This is especially painful when a less developed country does leaps around NL in some aspect, like:
1. In Poland, you don't need to carry any documents with you because if policeman stops you, he has access the police database anyway. This includes driving license.
2. Even if you really want to show a document, you can do it gasp on your phone screen with the official government app.
3. Albert Heijn, the most popular supermarket chain, started accepting Visa and MasterCard in 2023. Not in 2003, in fucking 2023.
4. The adoption of paczkomaty is pathetic and when you have a delivery the expectation is that you're supposed to sit and wait the entire day at home.
5. iDeal launched 2005. Przelewy24 launched in 2004. They function in exactly the same way.