I think there's the disconnect between the US perspective and the other countries which makes the discussions difficult.
The EU caps the credit card rate at 0.2-0.3%, so the moral argument for not using card payments is a lot weaker, and most countries have also widely used non credit card electronic payment.
SEA countries are mostly in the same boat, with higher credit card fees but more competition.
The EU caps the credit card rate at 0.2-0.3%, so the moral argument for not using card payments is a lot weaker, and most countries have also widely used non credit card electronic payment.
SEA countries are mostly in the same boat, with higher credit card fees but more competition.