[whizzter]

Well volume wasn't the question here (but yes, it's hard to beat anything Chinese or Indian w/o being global). As for literacy most illiterates should be able to use Swish.

Nr 2 though is something that I think might be a reverse though, looking globally mobile payments seems to have been a hit in markets with less well functioning traditional money and credit/debit card markets.

In Sweden cards's (most often debit) with tap-to-pay still rules for most b2c cases like established restaurants, stores and anything with slightly higher value. Swish was mostly started out to facilitate non-commercial person-to-person cases but has now displaced most lower value cash usage (person to person, small vendors, temporary venues).

I frankly don't even know if I have physical money in my wallet anymore since.. well I've not used physical money in a couple of years now iirc.