I recently dabbled a toe in these digital waters. The fact is, when we moved to China, Ross and I stopped using debit and credit cards for the most part and started paying for everything in cash, and I really liked it.
I felt in much better touch with my money, figuratively speaking. Of course, life is simpler here, in that there are fewer things I need to pay for, since I don't own a home and could get meals at the school dining hall.
But over the last few years, we noticed that people were just waving their phones to pay for things. Or we would go to pick up the bill at lunch and our guest would inform us, "Too late, I already paid on my phone." (Arguing over the meal tab is a thing in China.)
Inevitably, I had to move with the times. So I learned how (that is, a student showed me which buttons to push) to link my bank account to the phone, and use two services, Alipay and WeChat, to receive and give payments.