Rationale 1: Would the world not be better off if we grew strongly? Undoubtedly, if there were no negative spill overs from a country’s actions, the world would indeed be better off if the country grew.
Based on our past Finnish experiences in major payment innovations, I predict that the implementation and penetration of mobile payments among the general public will take its time following the introduction of a general and user-friendly mobile payment solution. 4  BIS Review 40/2008  Our payment habits are deeply rooted. Merchants need time to adapt their systems.