Until recently I’ve avoided having any financial data on any phone more out of a sense of prudence than being a luddite. When I was in China I carried a separate iPhone, due in part to the rampant thievery there, the realization that the company I was working for tracked my every movement with their required app, and because WeChat was the default payment method.

Recently one night in a string of many mistakes I’ve made of late, I walked out the door to buy groceries without taking my wallet. Having set-up Apple Pay earlier when I arrived at the cashier I gave Apple Pay a try and was struck at how much faster it was compared to the usual tap with credit card.

I’ve always been a bit dubious about any added benefit of using a phone for tap vs a credit card, but for whatever reason the process is much faster with Apple Pay and I’m now sold on it’s usage.

Which makes me wonder about the future of cash – something I haven’t had in my pocket in years.