I don't see where card schemes are inherently superior in the age of NFC payments. There are huge countries (China, India, Brazil, ...) where people moved from

I don't see where card schemes are inherently superior in the age of NFC payments. There are huge countries (China, India, Brazil, ...) where people moved from cash to mobile payments. Europe has always been in the forefront of this space, Swish exists since 2012, it's about time we get a pan-European solution.