That is when they can completely setup the alternative payment using credit card wave.

The question would be for those people living in rural area that probably once a year go through tolled highway. Meaning they need to maintain some money in e-wallet (must have smart phone) or must have credit card. Even id they keep only RM1 in the wallet, imagine 20mil citizen. The e-wallet service provider can just pay their employee from these min balance. No wonder banks want to charge transaction as well