Feels a bit like ‘china social credit’. But then framed in a positive package. To me it feels that most users are punished by not actively participating in something that is not part of the core business of bunq, aka. being a bank.
Only users that do what is being asked and stay within line are getting benefits, in this case shorter waiting times. (Credits)
My personal point of view is that not everything can be handled via algorithms, communities or credits. Quick and personal contact is part of being a bank. (Gaining Trust).
This means investing in sometimes expensive callcenters. that’s where the optimization should be, how to make them as efficient as possible, without losing quality.
