> Another reason could be the dependence of these Bitcoin transactions on an Internet connection. I'm not sure how Chivo works but if you need a smartphone readily connected to the Internet just to proceed with simple payments, then that's already a significant friction for most users.
This is an important factor. The Chivo app was initially zero-rated (requiring no data plan to use) but this lasted only some months. Now it won't work without wi-fi or data.
This is an important factor. The Chivo app was initially zero-rated (requiring no data plan to use) but this lasted only some months. Now it won't work without wi-fi or data.