cblanc

I'm not sure if that's a good analogy for your point. The success of a band often requires more than people that can play music well together

The Beatles had Brian Epstein for example (aka The Fifth Beatle)

Because he's one of the of the most respected scholars in the field of Economics?

He's likely devoted thousands more hours than us pondering economic matters. I'm just looking through his wiki here... published hundreds of scholarly articles and 20 books. A professor of Economics at some of the best universities in the world. He's even received a Nobel Prize.

How can we fault someone for taking Paul Krugman seriously on economic matters?

Payyr uses direct debit. However I'm not aware of any advantages of direct debit over bank transfers when paying friends & family

I guess Pingit has an advantage in that transfers take place within the same day. Direct debit takes about a week

Congrats on the new product. Looks great!

Will it continue to be free beyond the experimental phase?