[charles_f]

That's all great till you don't have network, or you're abroad and need to shell out a $15 roaming day pass to pay for a freaking croissant. No thanks.

At least the credit card networks achieved some degree of industry standardization. I can pay with my freaking phone and it requires my fingerprint to validate the payment. I'm not clear what lack of convenience you're referring to

[marcosdumay]

Well, I don't see how any of those problems are a reasonable issue for online payments.

By the way, most countries still have cash. What is important, because the credit card network is known for going offline once in a while.