https://store.storeimages.cdn-apple.com/4668/as-images.apple.com/is/MMX62?wid=1144&hei=1144&fmt=jpeg&qlt=95&.v=1472256277309

Never thought I’d see a Cunk on Earth reference.

Actually, there’s a better one for Europe. The Payment Services Directive 2 (PSD2) is an EU directive to allow payments to be done through APIs exposed by the bank. It’s essentially a wrapper for a bank transfer. Most new payments companies are just unifying these APIs.

Some counties do it better than others. The UK is very good (with the exception of starling bank). I remember Hungary being a pain.

😂 is the most used emoji in England, Wales, and Scotland. In Northern Ireland it’s ♥️ yet this is also the most used in the UK. So either the data is wrong or Northern Ireland is pumping those numbers UP.

And a JoJo reference