Comment by lxgr

That's a pretty optimistic take. I'm a bit more cautious myself: The motivation is obviously higher than ever, but it's hardly a done deal.

There are still many obstacles ahead: Contactless payments (Apple does not provide any card emulation NFC access to the Apple Watch, for example, and only limited access to iPhones), chargeback handling, offline payments (a recent priority of the EU under the larger umbrella of digital resiliency), and of course the network effect of the existing millions of terminals, ATMs, and cards in the field.