Oh, damn, I mixed up the DK population with the world population. Just makes the number more incredible. :)
Anyway, it is really Peter paying Paul. It is just centralized and in a stable currency, with all the benefits that entail, such as instant execution, ease of use and predictable outcome. It of course also has the downside: There are gate keepers, in the form of Danske Bank and other banks involved.
Bitcoin is also Peter paying Paul, but decentralized/p2p. And, frankly, this is its Achilles heel as much as it is its greatest feature.
You might be misunderstanding how MobilePay engaged with payment cards. Things have changed a bit since the start, but MobilePay originally asked for your dankort info to extract bank account information. It performed direct bank transfers, screwing Nets over for transaction fees (anything screwing over Nets is good for mankind).
However, because people demanded the support, "real" credit cards was later added (not sure if only for shopping), but they're likely letting stores eat the fees. Thus, they probably let the store pick whether they support cards that cost them fees. In general, the MobilePay used for stores is very different in function from the one used between users.
(I was in fintech with companies like Nets as client when MobilePay launched, but that is not the case anymore, so my info may be out of date.)
Anyway, it is really Peter paying Paul. It is just centralized and in a stable currency, with all the benefits that entail, such as instant execution, ease of use and predictable outcome. It of course also has the downside: There are gate keepers, in the form of Danske Bank and other banks involved.
Bitcoin is also Peter paying Paul, but decentralized/p2p. And, frankly, this is its Achilles heel as much as it is its greatest feature.
You might be misunderstanding how MobilePay engaged with payment cards. Things have changed a bit since the start, but MobilePay originally asked for your dankort info to extract bank account information. It performed direct bank transfers, screwing Nets over for transaction fees (anything screwing over Nets is good for mankind).
However, because people demanded the support, "real" credit cards was later added (not sure if only for shopping), but they're likely letting stores eat the fees. Thus, they probably let the store pick whether they support cards that cost them fees. In general, the MobilePay used for stores is very different in function from the one used between users.
(I was in fintech with companies like Nets as client when MobilePay launched, but that is not the case anymore, so my info may be out of date.)