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@Melvin when it comes to in-store purchase we realized that for some people it is more convenient to use the mobile phones instead of physical cards. You don't need to open a particlular app, just scan QR or use NFC, the rest is done automatically. It is the same experience as with Apple Pay or Paypal, the only difference is that the payment is processed by a different provider. 

@Melvin Paypal will not be able to deliver personalized deals, recommendations and make your shopping experience smooth and hassle-free. I think it is a matter of implementation but, ultimately, merchants can deliver lots of benefits to compensate inconveniences associated with having an extra app on your device. 

We should also keep in mind so-called "coalition loyalty programs" that are now much easier to implement with the blockchain technology. Small local merchants can collaborate to build shopping environments and deliver brand new experiences to customers.