Which of the following best explains the competition between digital wallet and payment ca

Which of the following best explains the competition between digital wallet and payment card？

A．Most commerce still involves cash and cheques, so payment cards are hard to remove.

B．Phone-based payments systems such as M-pesa will spread throughout the world.

C．The joint ventures combined the innovative firms with card firms will occupy the market all over the world.

D．Though mobile payment will cover all over the world, the card firms are not easy to give up the market.

请帮忙给出正确答案和分析，谢谢！