<transcript><audio_165>not pay it back then what in fact the secret dirty secret of credit card companies is that they hate customers who pay all their money in time they allow customers who delay payments because then they can charge late fees</transcript><transcript><audio_166>and exorbitant interest rates so they probably allow a customer who / draws as long as they can trace that customer and extract the money from in fact there is a whole dirty system of goondas so</transcript><transcript><audio_167>eventually a good day will come knocking at your door if you do such things so they are reasonably protected it is a risk for them occasionally somebody may not pay back they are willing to take that risk so consistency in this sense</transcript><transcript><audio_168>is not guaranteed the moment you have copies of the data but at a business level let me be acceptable on the other hand if you absolutely need consistency then you cannot keep local copies of the database it has to be completely</transcript><transcript><audio_169>centered in fact these days the need for local copies is diminishing because connectivity on the internet is very high bandwidth very fast so we saw does not need to maintain copies of the database what they will do is each</transcript><transcript><audio_170>issuing agency will have its database visa will simply route it somebody swiped sarcoid here we shall take that route it dynamically to your credit card issuer who will process it send the response and it comes back so in fact in</transcript> not pay it back then what in fact the secret dirty secret of credit card companies is that they hate customers who pay all their money in time they allow customers who delay payments because then they can charge late fees and exorbitant interest rates so they probably allow a customer who / draws as long as they can trace that customer and extract the money from in fact there is a whole dirty system of goondas so eventually a good day will come knocking at your door if you do such things so they are reasonably protected it is a risk for them occasionally somebody may not pay back they are willing to take that risk so consistency in this sense is not guaranteed the moment you have copies of the data but at a business level let me be acceptable on the other hand if you absolutely need consistency then you cannot keep local copies of the database it has to be completely centered in fact these days the need for local copies is diminishing because connectivity on the internet is very high bandwidth very fast so we saw does not need to maintain copies of the database what they will do is each issuing agency will have its database visa will simply route it somebody swiped sarcoid here we shall take that route it dynamically to your credit card issuer who will process it send the response and it comes back so in fact in
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