E-Switch or E-zwich?

I couldn't help noticing that once again Ghana has adapted a heroic attempt at digitising the economy by the introduction of the e-zwich smart card system. A system which bears semblance of the widely used (not in Ghana though) Credit Card system except that identification is by use of biometric features of the user for identification.
I believe this is especially laudable given that Internet Fraud is on the rise in the sub region. Biometric identification perhaps presents a better fraud-proof alternative.

However, the other side of the coin seems to indicate that the user will have to be physically present at the point of business (I hope to be corrected on this one) to transact business and this I thought reduces the 'e' part of the whole initiative.

One thing that, makes me think, will hamper the exponential growth of e-zwich users in Ghana is the commission taken by merchants and banks for transactions made using the system. Although this is not new to the system, it is new to Ghana. How many people dont return goods to the shelf, after learning at the counter, that the price tag excludes tax? Yet this is widely practiced in other jurisdictions.

It's just matter of time before the real merits and demerits of the concept will emerge but for now, maybe observation is what a lot of the population is will be doing.

For now, I'm keen on seeing what will happen.