> CC is slow, at least in Switzerland. Like in Germany, efficiency is baked into the culture - people hate to wait on someone paying his chocolate bar with credit card.

I pay with my card faster than the vast majority of people with cash. I also worked as a cashier during school, my favorite people were the older ones who'd just hand me their wallet so I could take the best mix of coins for the payment. Most people are horribly slow when trying to pay optimally.

Anyway, at least here in Germany the whole NFC thing seems to be taking off and card payments are even faster now.