I am sorry but this project is a pipe dream. All the other mobile payment systems that this article refers to transfer fiat so they are convenient and simple to use. What you are suggesting with Electroneum is way more complicated. People and merchants will not want to have to exchange their coins for fiat. Most importantly, it is far from stable so that means that nobody is going to want to use this cryptocurtency. This project will not get any traction and will fail like 95% of the other crypto/blockchain projects.