How often is it for one to use cash now 'n days? The convenience of using a credit or debit card is to some more rewarding than exchanging tender. Thanks to technology, many now have the ability to pay without even having a wallet in their possession. Though the limitations are Samsung, Apple & Google pay, this has transformed the payment system dependency on physical items. Sure your phone is physical but based on the features of the payment software, you can have more cards than what an actual wallet could carry. Sure technological disadvantages will come up. Examples like cyber security threats or having no means to charge the device. Regardless, this the way the world is heading. Soon enough Central bank digital currencies and crypto eco-systems will be the evolution to payment exchanges.