I f you live in one country mainly, it shouldn't be a problem - you just use whatever mobile payment scheme is the most popular there. When you travel, you stil

I f you live in one country mainly, it shouldn't be a problem - you just use whatever mobile payment scheme is the most popular there. When you travel, you still need an interoperable option - also because many mundane tasks like renting a car or booking a hotel typically require a card rather than just a payment. It will take decades for this to change.