I think you are to pessimistic about wero. just give it time. The reason why here in the netherlands paypal, mastercard and visa are not a significant factor in the dutch online payments is because we have a payment system called ideal ( initiated by the main dutch banks and open to any bank wanting to support it), since 6 months wero is the owner of ideal and and without a dount wero will replace ideal in future but only if it is functional equivalent.