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Comment on How India's banks killed the future of commerceparent

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I think all your points are valid, but they're referring to a different problem - which is how get control back from the banks to the customer about chargebacks. This problems wasn't introduced by 3D secure, it was always there and it was always just as bad. If you want to replace 3D secure with something that's better, I'm all for it, but this post implies that we should get rid of it as well.

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