It's most likely the advent of a CB crypto that retailers are waiting for, or at least a kind of government certified crypto. A digital currency retail system needs to be integrated with national banks. Exchanges are a hurdle and liability for retailers. But if integrated, they aren't.
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There are systems being built where crypto can be converted to fiat at the point of sale. The retailer never touches the crypto but the customer gets to purchase in crypto. Fees are much less for retailers using this compared to credit cards. It already sounds like a competitive advantage and something many retailers would be interesting in using.