Sorry if this is a dumb question: what is the advantage if everyone has a phone in their pockets anyway?
  • Cards don't require battery (or signal)
  • Many privacy conscious consumers prefer dumb phones
  • Can be faster to use a card than to unlock a phone (and find the relevant app)
  • Harder to steal a card from your hand (and less impact) than a phone
  • I would lend someone my card to make a payment but not so convenient to lend a phone
  • Cards are cheaper than phones
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