In the US, I've generally avoided debit cards (but still would recommend them to people who aren't good at budgeting) because while disputes are settled you're

In the US, I've generally avoided debit cards (but still would recommend them to people who aren't good at budgeting) because while disputes are settled you're missing the money. My brief experience in other European countries is that debit cards are common, but credit cards aren't. I've heard this is because of strict caps on fees, which means few promos and benefits (like the US has). Sweden has a digital p2p service called Swish. Small businesses seemed to prefer it, but was a little annoying because you had to key in the code or use your camera to scan their QR code. This wasn't a huge hassle for sending money to friends. From what another commenter said, the UK requires you to manually key in the sort-code and account number. I can see that preventing adoption for casual purchases. I was never sure of what protections I had around fraud with other payment options. I imagine consumer trust will be difficult to build.