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@Velocio
I can't see why this would be a bad thing... if a courier turns up, and delivers the package quick smart, then they should get paid.
I see nothing in the original suggestion that makes this app exclusive to independent workers, but as the margins are so slim I can't imagine the Courier Co.s not wanting to hold a customer account themselves.
If a Courier Co. gave up their account management this way, then the customer still wins. Is that a bad thing?
And it gives independent couriers access to the accounts. Is that a bad thing?
It goes two ways, and the downsides are also upsides.