>But I'm curious as to why such as "super-app" hasn't taken root in the US like it has elsewhere.
because there's a lot more traditional banking and business infrastructure in the US or Europe than there is in China or India, so the latter just leapfrogged over it and the experience of using Alipay or running your business of Whatsapp is just much better than any legacy institution in those countries. People in countries with more established ways of doing things are both too used to and don't have that much of an incentive to switch because most stuff works sort of okay.
Same reason why WhatsApp adoption itself is lower in the US and sms based messaging held out so long. The US had cheap sms plans earlier so people were less eager to switch while everyone else just jumped to internet based messaging.
because there's a lot more traditional banking and business infrastructure in the US or Europe than there is in China or India, so the latter just leapfrogged over it and the experience of using Alipay or running your business of Whatsapp is just much better than any legacy institution in those countries. People in countries with more established ways of doing things are both too used to and don't have that much of an incentive to switch because most stuff works sort of okay.
Same reason why WhatsApp adoption itself is lower in the US and sms based messaging held out so long. The US had cheap sms plans earlier so people were less eager to switch while everyone else just jumped to internet based messaging.