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Thanks for the feedback.

When I said “why aren’t more governments worldwide doing this?”, I wasn’t referring to A2A RTP systems in general, those are indeed being rolled out and promoted by governments globally. I was specifically referring to cases where a government funds an A2A RTP system so that it becomes free for both users and merchants.

In the Eurozone, for example, we have SCT Inst, but when it’s used at merchants (with Wero being the upcoming example), merchants still pay a considerable fee.

Your point about rapid onboarding by banks is also valid. However, as always, banks tend to follow market demand. If a payment method is free for users and merchants and strongly promoted by the government, adoption by both groups would accelerate and banks, whether private or public, would be compelled to follow their customers’ expectations.

That’s why I still believe the “free” aspect could be the golden bullet. Once that’s in place, much of the rest follows naturally. Of course, this remains more of an opinion than a proven fact, as no other country has yet implemented such a model at scale (so the sample size of my opinion is not statisticallly relevant today :-)).

Thanks for the feedback. Indeed, you are absolutely right. As long as top management is not aware of certain necessary trade-offs, it will be impossible for analysts & architects to correctly do their job. But I hope my blog can bring maybe a little bit (not making too much illusions either :-)) of idea, that technology is always a matter of making trade-offs.

Thanks for sharing this blog. Very interesting.
Might be interesting to have a look at a blog I wrote about 4 years ago: https://www.finextra.com/blogposting/19211/from-app-to-super-app-to-personal-assistant, also about the super-apps.