From what I’ve seen while working with small e-commerce teams, a lot of shoppers still stick to cards simply because they’ve been doing it that way for years, not because they’ve compared the options in any thoughtful way. But I’ve also noticed a growing number of customers choosing A2A, especially on platforms that explain the steps clearly and don’t make the bank login page feel intimidating. What helped me understand the shift better was this article — subscription payment processing — since it breaks down things like settlement time and why merchants push it. For some users, the appeal seems to be that the payment clears fast and avoids random card declines. But others still don’t like jumping into their banking app during checkout, especially if they’re in a hurry or on a slow connection. I guess it depends on how comfortable people feel with bank-to-bank flows in general.
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