Last week I was watching a YouTube video, talking about the EU creating payment services independent of VISA and MasterCard. What struck me is that they are all apps, which will require an app store.

Great, I can pay with a digital Euro, Wero or something else, without routing my payments via VISA. I just can't do it without an account with Apple or Google. I'm absolutely baffled by politicians, regulators, banks, merchants and implementors lack of ability to think more than one or two steps out.

Sure, the EU is forcing 3rd. party app store, but no one is using them, so no one is pushing apps to them, especially not governments, banks or payment services, they'll be the last to use them.