[silisili]

> credit cards were probably only 60-70% of payments

Do you think it's still that way today? I really have no idea. I worked grocery 20 years ago and remember being amazed how many people pay cash. I can't remember the last time I've seen someone pay with a check at the grocery. I see cash here and there, but mostly credit or tap. But I have no idea what the breakdown would be.

[bombcar]

I saw a check written recently but it has to be the first I’ve seen in years.

I think the loyalty programs are mainly about price segmentation and co-marketing now.