[ballenf]

> industry-wide, concerted effort towards creating and requiring use of an extremely convenient web pay system

Without government backing, the system you envisage would ironically be prohibited by antitrust laws. It would be a rather clear example of price-fixing and collusion by competitors. Maybe there's some way to do this through peer pressure or incentives, but I think we've seen that approach fail so often that it's hard to see what could be done differently short of a hardline approach that would trigger regulatory scrutiny.

[pjc50]

I very much doubt it, given the existence of Visa/Mastercard and the various app stores.