Visa and Mastercard are legacy companies providing a service that is outdated in the modern world. China generally doesn't use Credit cards because when they "Modernized" there was new technology and infrastructure so you didn't need a nosey middel-man to handle the transaction. Instead they use apps. Scandinavia is hopefully moving away from these card-providers soon. They have the bankaxept system that works flawlessly in their area and have started introducing Apps for payments and microtransactions. For some reason some of the apps require a debit-card, but i hope they will drop that requirement soon.

I just hope these leeches on society will sone go bankrupt.