For everyone who is poo-pooing Coin because it's not a digital wallet, please answer this question: How long from now will most merchants that accept credit cards also start accepting an e-wallet of some sort?
I honestly would be stunned if this happened in <10 years. I think we very often underestimate how slow adoption rate is for new technology and how much money can be made by playing nice with the incumbent technology instead of trying to disrupt it from the onset.
All of them accept online payments. It's really not a big leap to being able to pay for something through their website while in their store and walk out with it. Some places do this now, especially for bulky items, just scan the barcode in-store and they'll deliver it your house.
If I'm carrying a wallet or keys in my pockets in 10 years I'll be pretty disappointed.
From the industry side of this - online payments suffer a lot more fraud and just generally have a worse risk-profile than traditional "customer-present" transactions.
Specifically online card payments. Unsure about through other processing facilities.
I honestly would be stunned if this happened in <10 years. I think we very often underestimate how slow adoption rate is for new technology and how much money can be made by playing nice with the incumbent technology instead of trying to disrupt it from the onset.