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Best part of 20 years ago, which is a long time in anything, it's a lifetime in tech. About 15 years ago I used to work on some projects for greater London authority, we seemed to mostly be squatting on transport for London servers and they seemed to have good tech and people seemed to like using it. 5 years later they couldn't get away fast enough.

These days just tap a contactless credit card is about as good as it gets-while still having the Oyster alternative where the credit card isn’t a good or preferred option.

Hurrah. That was 13 years ago and it still doesn't support railcard discounts.

TfL may have been innovative a long time ago, but they haven't moved with the times at all. Hell, the Oyster POMs only got contactless payment readers in the last couple of weeks. Prior to that it was "chip 'n' pin" - y'know, the technology introduced back in 2004.

For some reason I'm thinking of the classic "Speed cooking" videos:

https://youtu.be/8TVpQiCIqp4