Boots on the ground observation, digital wallet adoption much higher in Brazil than US. Everywhere I go there are super easy ways to pay, from little shops, vendors on the beach, and markets. The below chart highlights the explosion in payments in Brazil, ex $MELI.

Companies I observed on a daily basis:

A common occurrence was to be at a little shop and have a regular come into the store, grab an item and tap their card on the $PAGS terminal on their way out the door. Super cool, and I was in payment nerd heaven.

What will it take for the US to see this kind of adoption??