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Raspberry pi 4 inside abandoned scooters
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Not living in a city with these scooters but in a country that has 10+ different virtual wallets services. I can tell you 101% it's all about the credit sit in the customers' accounts that obviously easy but not straightforward to pull out and stay there a long long time.
It was never about the "convenience" for anyone. It's the same scheme of holding people's credit.