Agree, that this sounds pretty consumer-unfriendly on the surface. But I think the law is fascinating, because of how effective it (might) be in limiting monopolies. Applying the same law to online advertisement or search engine market share would probably be a benefit for the consumers.

This doesn’t sound very enforceable. Say users flock to WhatsApp. “Sorry, we can’t process your payment because people like you aren’t using competitor services enough. Please try again next month.” ???

I would prefer opening a different app to complete the payment than living in a society where payment space is completely dominated by one company