With a huge high-frequency userbase. Also, there are identity, trust, ready-to-go pay and enough information and offerings from sellers. For a user, easy to us

With a huge high-frequency userbase. Also, there are identity, trust, ready-to-go pay and enough information and offerings from sellers. For a user, easy to use is how many barriers s/he has to deal with. Many of the barriers are not only reduced by better technologies and products. Don't get me wrong. I personally expect better-tech-leads-the-way.