Adoption of contactless payments (tap and go) have witnessed a spike (due to the pandemic) but not every individual is proficient in Apple Pay, Google Wallet, Samsung Pay (swipe or tap) or Android Pay, yet.
Prior to the pandemic, no major incentive was perceived by the customer to switch from debit / credit card to fully contactless mode. While there have been major security and data breaches at retailer end over the past decade (TechTarget, TJMaxx, Target, etc.), one couldn’t attribute them directly to payment networks or to debit / credit cards. A cryptic way to store information of card holder would have certainly served as a great barrier but none of the payment networks or card providers took this initiative.