When was the last time you made an international payment? I never made a payment outside of the EU and inside the EU I already have free wire transfers. For most people this is not interesting.
> unbanked/underbanked
You have the right to a bank account in the EU.
> Allowing merchants to save 2% in credit card fees
Currently Bitcoin is more expensive for typical transactions. And there's direct debit which is practically free at least here in Germany.
When was the last time you made an international payment? I never made a payment outside of the EU and inside the EU I already have free wire transfers. For most people this is not interesting.
> unbanked/underbanked
You have the right to a bank account in the EU.
> Allowing merchants to save 2% in credit card fees
Currently Bitcoin is more expensive for typical transactions. And there's direct debit which is practically free at least here in Germany.