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Okay, so how do I actually use a Wero card in a physical store? And without an American controlled phone OS, since right now all of Wero lives in the banks' apps and there's no actual card?
Never heard of it, so it won't work in my country. Visa and Mastercard only. Those are the only ones that are truly EU-wide.
You can't, yet. However, the original claim was...
Which is not true. We are talking about it, even working on it. Needs a few years, tho.
Last I heard there's still no talk of a Wero solution that works without a phone though. No card, only apps and those only run on American-approved phones.
About the "only run on American approved phones": not really. They work on most phones (and the number of degoogled OS is growing) and banking apps not using NFC often DO work on those phones. You only need to lock the bootloader, not root and use microg. A few companies now sell refurbished (or even new) phones equipped this way so your average non-techie can buy a geopolitically agnostic phone.
Many banking apps require play services too unfortunately. You'd then have to switch banks based on who doesn't.
Also how do you make NFC payments without NFC? Or more generally, with no NFC and no card, how do you pay IRL?
Wero is QR code based.
What do I do with a QR code if I don't want a smartphone? Or if my battery is empty?
I can see way too many negatives compared to having a physical card. And as of now there's no talk of a wero card. The only EU wide alternative to Visa and MasterCard right now is cash which isn't always the best option either.
Cash or phones are still more secure than a chip & pin card. I'm afraid cards will go the way of the DVD.
Cash is less secure than a card if someone has physical access to you, it has NO auth.
I can't imagine cards going away while old people still exist. And by old I mean I'm 30 and you'll have to pry my cards from my cold dead hands. I don't want to go cash-only and I don't want to be restricted to being able to pay if my phone has any battery left and runs a bank-approved OS.