​What is stopping you or businesses from adopting a digital payments platform (i.e. paying for groceries using a zelle)?

The digital payments platform is enormous in Asia and South America but not that common in America. One of the biggest reasons is lobbying from major credit card companies and the established network of infrastructure. Right now businesses pay anywhere from 2-4% in fees to these companies but with digital payments this can be significantly lower, putting money back into the consumer pockets. Digital payments are fast and hassle free and can get money transfer instantly.My goal is to validate this idea and see why you as a business owner or you as a consumer would or would not adopt digital payments.