The banking system in Japan is homogeneously terrible ;) One reason for the success of IC cards as electronic wallets is because what banks offer is so inconve

The banking system in Japan is homogeneously terrible ;) One reason for the success of IC cards as electronic wallets is because what banks offer is so inconvenient. But really, what works in Japan is cash. You are the odd one for paying electronically. It is slowly changing though. You can almost go cashless now. 10 years ago, cards were mostly just for withdrawals. 20 years ago, good luck finding an ATM that accepts your card. Personal experience, in 2005, we spent half a day finding one, in Tokyo. As for being "high trust", it is certainly not as a foreigner, trying to do business in Japan. The "high trust" part is more about petty crime being really low, so you can leave your bag unattended in a café and it will still be there when you get back, in fact, it is a common way of "reserving" a table.