It's often a matter of cultural adoption
While I love the idea of electronic payment, I find a lot of it has to do with how users are adopting. For example, take Canada vs US. US has a high rate of adoption for things like Apple Pay, whereas Canadians are a little more conservative and tend to be happy with our "tap and pay" technology that comes with our debit and credit cards. I wonder if we will see these small biases affect overall adoption, ie: In 2-3 years, will see still see this type of divide, where certain geographies due to economic and demographic breakdowns will skew higher adoption rates vs others.