> Mobile payments haven't taken off in the west because credit cards have worked well enough USA != the west. Paying by credit card is pretty uncommon in large

> Mobile payments haven't taken off in the west because credit cards have worked well enough USA != the west. Paying by credit card is pretty uncommon in large parts of Europe. Most stores I frequent don't even accept credit cards. But debit cards with pin&chip and now wireless NFC pin&chip is very popular. I hardly ever use cash, but the only reason I have a credit cards is for some US webshops.