Como humanos, cuando nos encontramos en situaciones de incertidumbre, nos gusta tener reglas fijas a las que poder acogernos a la hora de tomar decisiones. De ese modo, evitamos tener que pensar por nosotros mismos, dar explicaciones engorrosas o defender decisiones de diseño ante personas que tienen un credo diferente del tuyo.
Last month, I chatted with a person in a very big telecommunication corporation who had the challenge of creating a new mobile payment method.
I mentally reviewed earlier experiences in mobile payments in Spain. The most important experience I can remember was Mobipay, born in 2001 and deceased some years ago. It used a complicated system of messaging, that made the users take longer to pay with the mobile that with cash or credit card. Besides, you could only use it in a very restricted list of places, so my guess for the so long life of this service was the huge amount of money needed to create it.