The delta is even greater - due to covid most credit/debit card payments were contactless (from [1] 60% in general, 73%+ at bars/restaurants) - I'll assume it w

The delta is even greater - due to covid most credit/debit card payments were contactless (from [1] 60% in general, 73%+ at bars/restaurants) - I'll assume it will take awhile for contactless payments to drop back down to pre-COVID levels, if they ever do. For contactless payments, I can see payment taking less than 5 seconds total. In Canada, probably spend more time dealing with tip/receipt screens than the time required to perform the contactless payment. [1] https://www.riksbank.se/en-gb/payments--cash/payments-in-sweden/payments-in-sweden-2020/1.-the-payment-market-is-being-digitalised/the-coronavirus-pandemic-has-affected-how-people-in-sweden-and-abroad-are-making-payments/payment-behaviour-in-sweden-has-been-affected/ https://www.riksbank.se/en-gb/payments--cash/payments-in-swe...