Cargo Shorts

I don't Venmo.
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Sure they are. Just a smaller market share currently. The birthplace of the credit card is going to take more time. Credit cards never really became that popular in China. It was easier for them to transition.

It will take a LONG time. There is a reason people have credit card debt. They don’t have money in their bank account.
 
I used ApplePay for the first time last week. Bought a snack out of the vending machine at work when I got the munchies and only had a $5.
 
Which is still giving visa money.

For those who go that route, people who don't want to pay with credit have many other options. You can use a bank account or if you're paranoid about hacking you can deposit money into your mobile account and pay with that.