The HIVE blockchain is perfectly positioned to power person-2-person and even person-2-shop payments. HIVE is Free and Fast! The two key words!
The challenge is to get adopted by existing payment service providers and wallet owners: HIVE is a small chain and known for its blogging services.
But we can overcome these challenges by bringing forward a unique value proposition:
Large part of the world is not very well connected to the internet. Even in parts of the world where people are connected well with the internet, the connections may be broken due to no coverage (think of mountain areas, remote locations) or bandwidth limitations (think of events with large groups of people).
We will need to get some development done: That's a given. We also need to get some (paid) marketing going, and we may even want to go out and about and sell the solution to the target audience through community owners and maybe even through businesses.