> Really? Then why do merchants use card terminals at all then? Because it's easier, faster, and has more protections/provisions for payments. > Free but time

> Really? Then why do merchants use card terminals at all then? Because it's easier, faster, and has more protections/provisions for payments. > Free but time consuming. Typically needs to be done in person and requires waiting in line. There have been fully online banks for around a decade now in most EU countries. > I feel like you just haven't used WeChat/Alipay enough to realize how better it is from a UX point of view I haven't no, but none of your arguments are anything about the UX itself. It still sucks, comparatively, to have to open an app, click a button, scan a QR code, and then type information vs just tapping a card/watch/phone with the payment information pre-filled. The fact that fees might be lower, there might be better b2c and c2c support, etc etc are irrelevant to how bad the UX at the point of use is.