No I get and agree to that point, but the article also literally says the line I quoted above! Those are not mutually exclusive.
Apple and Google pay I feel like will somehow get stuck in the USA, I'm from Spain and I can def not see how, seeing how convenient payments are over there, they will get any meaningful penetration. It's funny because every year that I've come back to Spain (now I live in Japan) there's been a totally different but more convenient way of payments there. I need to write about it some day. Like, I'm the last person who expected payment methods would have a 1-year turnaround in the "old school" country of Spain! But somehow it happened, and that while not locking foreigners out (which is common e.g. in Japan, where you have all these "strange" payment methods that are inscrutable for tourists).
Apple and Google pay I feel like will somehow get stuck in the USA, I'm from Spain and I can def not see how, seeing how convenient payments are over there, they will get any meaningful penetration. It's funny because every year that I've come back to Spain (now I live in Japan) there's been a totally different but more convenient way of payments there. I need to write about it some day. Like, I'm the last person who expected payment methods would have a 1-year turnaround in the "old school" country of Spain! But somehow it happened, and that while not locking foreigners out (which is common e.g. in Japan, where you have all these "strange" payment methods that are inscrutable for tourists).