It may therefore become further adopted and further improved. Thus a technology that by chance gains an early lead in adoption may eventually 'corner the market' of potential adopters, with the other technologies becoming locked out. So it is partly a matter of luck or chance to prevail. It is not necessarily true that the successor is the virtual money with the most superior technology or the one with greatest value stability or both. An inferior virtual money could also win.
Payment has to be done by a 'click and pay button'.
Therefore a software company producing virtual money systems should seek for a partnership with a bank that holds a dominant market share. If many people hold an account at the issuing bank the probability that many people will use this system is without doubt higher. Therefore even an European software company should try to enter the US market. This list of impact factors which help a virtual money to prevail does not claim to be complete. It simply shows some important points.