I think electroneum will go a long way in connecting crypto to merchants. THey have applied for a patent that will enable instant crypto currency payments to merchants. This patent will allow them to add Bitcoin, Ethereum, Monero or virtually any other cryptocurrency to their app and allow users to make instant crypto payments to any vendor who wants to have the convenience of instant check-out. If this works I think electroneum is ahead of the game :)
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I'm also keeping my eye on ETN aka Electroneum. I wrote an article about this recently that you can check out: https://steemit.com/crypto/@netscape101/security-issues-with-using-fiat-in-africa
Also see this article that someone else wrote :
https://steemit.com/@throwawayaccount/electroneum-new-cryptocurrency-focussed-on-transactions-using-smart-phones
I read your post and I agree we need less cash being carried around.Most of the banks , shops and other merchants need to figure out ways to accept and exchange services in crypto payments. In Kenya we do have cash thefts like those too.
Glad to see more people from Africa on here :)
Will be following you!