It's not really clear from the article but I imagine that frictionless payments online contribute a lot more than physical ones. If you're making the decision b

It's not really clear from the article but I imagine that frictionless payments online contribute a lot more than physical ones. If you're making the decision between using a physical credit card and your phone then you've likely already committed to making the purchase. But it's a lot easier to back out when you're online. The option to use Apple or Google Pay on a website (even if you have your cards saved in the browser and it's just a few clicks to autofill) is so easy. To add to that, installment plans that are offered on pretty much every purchase nowadays just compound the problem.