About 6 years ago, one day when I got off the taxi to work, I realized that I forgot to take my wallet with me, and I panicked. 😱 I did realize that I didn’t need to pay cash to the taxi as I was using Uber. I stepped into the office and wandered for the morning, thinking about whom should I ask to borrow some cash. But soon I realized that it might not be necessary. Most restaurants accept Alipay and Wechat Pay already, it was just that I hadn’t formed the habit to do that yet. So I went lunch with my colleagues and we paid with Alipay with no issue. It was since then that I realized all I need to take with me is the phone. Wallets, cash, credit cards, they are all not necessary anymore. For the next couple of years, literally there is no need that you have to take any cashed. Everything is in your phone and is super convenient. While one the other hand, this may also caused some privacy and security concerns. Would be interesting to see how things move forward in the future.

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