[mailarchis]

I don't think this is a isolated case for Japan but rather an unintended downside of being a pioneering adopter of an innovative technology wave.

For instance, Credit Cards are ubiquitous in the US. In India (and am guessing China too) credit cards were and even nor limited to a higher income niche while mobile payments via QR codes (UPI, Wechat) became more prevalent. And I think from an experience and convenience stand point they are better than Credit Cards.

Similarly in legacy banking, a large part of the tech infrastructure am guessing still runs on mainframes as banks were early adopters. Applications are still being written in COBOL.

Large Organizations / Governments benefit from tech adoption but are also slower and more difficult to migrate a new technology when it appears.