In Germany, Austria, and Switzerland, most small businesses in big cities there accept only cash payment and not accept card payments.
I've actually heard that card acceptance there has gotten a lot better since the EU capped interchange to ~0.3% or whatever.
Meanwhile, more and more stores in the US (mainly smaller ones so far) are charging extra for card use because it's literally an order of magnitude more expensive for them. If it wasn't for the fact that card acceptance is basically expected by customers at this point, most stores in this country would still be cash only to this day.
Europe had the “benefit” of having a poorer telecommunications network. In the US, companies could clear a transaction in a matter of seconds using the reliable phone networks. Just swipe and done. In Europe, this was not as guaranteed in a lot of places, so chip and pin was a good workaround.
And, when the next big thing was introduced, capable hardware was either already widespread or included in those vendors next rollouts. The US had to be pushed by the CC companies in the way of rule changes.
Personally, it's poor regulation. The US could have had chip and contactless a lot earlier with some foresight, but instead we waited until our cards literally started having compatibility problems overseas (combined with a few high profile security breaches) before even bothering to transition--and even then, it was pretty half-assed IMO (among other problems: no mandatory PIN, contactless not being required and no requirement for customer handling of the terminal*). Hell, it took a pandemic for Americans to even start bothering to tap cards, despite Apple Pay having been around for more than half a decade by that point.
So no, I don't think we should get any credit for supposedly
having 40% contactless usage now. At best, we caught up to what the rest of the world's been doing for 5-10 years+ by now.
* This is particularly problematic because this guarantees the US will never have 100% Apple Pay acceptance. We
might still get close to 100% on tapping physical contactless cards, but only because the employees can still tap those for customers.
Any retail merchant, either brick and mortar or online, should adopt ApplePay immediately if they haven't already. Or be consigned to the dustbin of history. Especially as long as Apple continues to offer the 2% cash back!
Considering that high interchange pays for CC rewards, it does make me wonder if there would have been a whole lot less resistance if interchange was capped to very low levels (or even replaced with a flat fee per transaction or something). If nothing else, stores in the US would likely be a lot more okay with CC use than they apparently are now.