I've been at this 12 years. I was never with a cab company, only got sumup maybe 1.5 years ago and FN maybe 8 months.
I held out but I was losing fares when people asked if I took cards. So Sumup.
I used to laugh when I'd see the odd person standing at the side of road looking at their phone, looking at me, looking at their phone as I drove by. I was looking at them, thinking 'you sucker, you coulda got me'
But as it happened more and more, I realised I was the sucker, the King Cnut trying to stop the waves coming in, and I joined FN.
I use it to my advantage - often you can see the destination and then you can reject it if you want. I barely make 'bronze' (the lowest level) each week so I'm not a fanboy. I still do street-hails. Work smart, not hard!
If 'almost' everybody moves to FN and I don't like it, there'll always be a niche for those who want to street-hail, pay cash, be anonymous or whatever.