EMV/tap to pay doesn't expose credit card or account numbers. This is sufficient for most user's banking needs. Bank ledgers generally provide better integrity

EMV/tap to pay doesn't expose credit card or account numbers. This is sufficient for most user's banking needs. Bank ledgers generally provide better integrity for people than blockchains, because they allow fraud remediation. The two primary advantage of cryptocurrencies in my view is semi-anonymous payments for grey/black market transactions, and international money transfers.