Network effects and the "good enough" effect. At some point no one used swish. Then it became useful for some and then it became useful for many. Then it became

Network effects and the "good enough" effect. At some point no one used swish. Then it became useful for some and then it became useful for many. Then it became the "must have" or "should have" for everyone else. Crypto's could do this. They just aren't set up as easy right now. I'm pointing at bitcoin etc. They are also slow. I can tap my MasterCard contactless card/phone and pay for coffee and the merchant is happy. I've had bitcoin take >30 minutes to transfer. Unacceptably slow.