Less than 50% of US customers with bank accounts use a mobile app today. Anyone who tells you 100% of customers will use a specific technology is lying to you or themselves.https://twitter.com/apompliano/status/997461762252460032 …
New Zealand is nearly cashless, most of the US still uses cheques. The difference is in the quality of service provided by the bank.
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These services exist but people have the freedom to use legacy products. And they do. The merchants and the customers trust each other so checks are fine
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