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The US is behind the rest of the world in payments because we got credit cards first. The difference was in those other countries, the penetration wasn't there. So when they could actually build out the penetration, it was done with new assumptions that were learned from looking at the US and doing it a better way. And now we chat wallet is like step four, where it's all completely stored in your phone. But you have to consider the user experience, not just the narrow user interface.
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highlights
Listen to the best highlights from the podcasts you love and dive into the full episode