On the internet, or in person?
The former has to be playing the stupid dance of setting up an account, confirming my email, punching in my address, my city, my state, and then my zip code (which the prior two can be derived from!), digging out my credit card, punching it in, and then clicking buy. Way too many steps; I'll shop at Amazon even if it costs slightly more due to "click button, receive goods."
If you're referring to in-person, hoo doggy. The lines and the inefficiency. If your solution involves me interacting with a check-out clerk and my mobile phone, forget it; the person in front of me is trying to pay with a check and can't figure that out; I'm not going to hold up the line yet further instead of throwing a credit card at the attendant.
Does that answer your question?
