[oboes]

> The reason stores use credit payment networks in the West is because it’s better. We have cash transferring apps but we don’t use them for a reason.

In many (most?) European countries, debit cards and cash transfering apps are more common than credit-based payments. I have a credit card but I don't use it often (mostly for some online transactions, such as buying plane tickets), and many people only have a debit card.