Payment / P2P apps: User engagement is highly correlated with adoption rates. So far, only three apps managed to break the vicious cycle of low adoption & low engagement - MobilePay (Denmark), Vipps (Norway) and Swish (Sweden). System user/pop (15y+),% MobilePay (DK) 0.87 Swish (SE) 0.80 Vipps (NO) 0.69 BLIK (PL) 0.20 Twint (CH) 0.13 MB Way (PT) 0.10 Jiffy (IT) 0.10 Paym (UK) 0.07 Bizum (ES) 0.04 Paydirekt (DE) 0.03 Paylib (FR) 0.02 Lydia (FR) 0.02