Like you say MasbroughMiller the digital system is not for everyone with the phone.
I have been in queues in the supermarket, people paying their bill using the mobile phone, they had problems,
so been been in the queue for over 10 minutes, after putting our items on the conveyor belt.
Problem is people don't carry cash or use a card, so when the mobile banking lets them down, they are stuck.
I don't use my mobile phone for payments, use my card[s], but still carry cash, in case my card[s] fail.
Took note a lot of people match days pay for the drinks with the mobile phone.




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