In Sweden the gradual transition between using and not using cash has led to more people using debit/credit cards to make payments (and signing up to Swish) so has the window of opportunity been missed for crypto to have taken its place alongside the bank card and Swish payments in Sweden?
There was no window of opportunity, and if it was it would have been almost a decade ago, Swish was launched in 2012, by that time the number of people using bitcoin was in the thousands at best, i-zettle The Pharmacist mentioned in 2011...
No, bitcoin and other cryptos never had the opportunity to grab a piece of the pie, mobile app payments took the bulk of payments in Sweden well before people become aware of what cryptos are.
Without looking at crypto debit cards as an option because crypto such as BTC and ETH are converted to USD/GBP/EUR before being used for payments, what do you think could be done to help increase crypto usage in a near-cashless society such as Sweden using real-time P2P payments as envisioned by Satoshi? The most obvious option that comes to mind would be having a mass roll out of crypto payment devices such as the XPOS that Pundi X created.
You have to understand one thing, people care about their time a lot and they hate trying things that can't be done with 2 taps.
At the same time, they hate when dealing with money not to have someone to complain about, not to be able to blame mistakes on somebody, not to be able to issue chargebacks and a lot of other things.
That's why payments with cryptos are still stagnating and more and more embrace the safekeeping side of them.
To be able to compete with the new systems and even with cc, crypto payments need to be fast, easy and cheap.
And unfortunately, unless you go through a 3rd party they are not, and once you go through a 3rd party the costs of that operation come into the story and ... we're back to where we left with the only change that we're not calling them banks but crypto something...
As much as I would love to see usage growing I'm pretty pessimistic about it for the next couple of years at least.
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