For example, Apple Pay works great at Whole Foods. I use it every time. Other people in line painstakingly pay with credit cards, despite holding an iPhone in their other hand. The new chip cards take longer to process, even, 5 seconds or so.
Yeah but no. Come in the UK and you'll see that mobile payments are seeing widespread acceptance. I can go weeks without having to pull my Debit or Credit Card.
I'm in Ireland and hate carrying change so I use my phone all the time to pay, I only end up going to the ATM ~ once every 2 weeks or so.
Some people working in shops aren't used to paying with phones yet but you just tell them it's the same as contactless card and it works out fine.
Ever since I've been back to the states from china, I've used the ATM only around four times in the last year. My wallet also feels much more empty given the density of $20 bills over 100 RMB notes.
USA != the west. Paying by credit card is pretty uncommon in large parts of Europe. Most stores I frequent don't even accept credit cards. But debit cards with pin&chip and now wireless NFC pin&chip is very popular.
I hardly ever use cash, but the only reason I have a credit cards is for some US webshops.
Since returning to the states from china, I've been happily surprised that I can just tap my credit card to pay at many terminals. This still pales in comparison to austrailia, where this tap to pay seems to be ubiquitous.