It can take a long time for new ideas to catch on in the payments world. Plastic debit and credit cards, for example, account for half of payments in the UK and US, but it has taken more than 60 years to get there. Globally, cash is still dominant.
Despite being 15 years old, online payment system PayPal only accounts for about 10 per cent of online payments, says Bob Graham, senior vice-president for banking and financial services at consulting firm Virtusa.
The online payments market is still small, accounting for just 2-3 per cent of consumer transactions worldwide, says Patrick Collison, co-founder of payment service Stripe. According to some estimates, there are 366bn non-cash transactions each year.
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