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All that stuff has a high bar to the average consumer right now. If enough people say what you just said and are successful with it that will change but right now CCs are the most widely used, with 52% of consumers using them for everything (US data but I assume much of the G20 is similar).
I am hoping for Bitcoin 2.0: The Secururing because anonymous instant micropayments (done using bitcoin or next digital with a wallet technology like "CoinReady" or something) would be a huge boon for this business and every other, bringing the retail staple of impulse purchases to the digital market.
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