"a push to have users download their mobile app" This is the blocker for me, every vendor wants you to download a different mobile app.

I had to on the spot download a mobile app to pay to get my car back from valet parking at a really nice hotel the other day. They only accepted payment via the app which they did not disclose before taking the car. I had to stand there for 10 minutes installing the app and setting it up and I will likely never go back to that hotel (becuase of location, not the app).

No idea what would have happened if I just had an old fashioned flip phone