Exactly a year, since I not used cash
Likely, it will cause surprise or misunderstanding, but for me it was an interesting experience, if you want to experiment what we will have in the near future, in part by the need analysis for projects at work.
Such initiatives have long and descend from the level of the authorities in those countries of the European Union has long taken many initiatives to transition to a cashless society. So, a couple of years ago, even proposed to abandon the banknotes of 200 and 500 euros. Today's statistics show that for example in France, as in America, more than half of noncash retail payments, and in Croatia about 90%.
The most indicative of his experience of Sweden, reached the level of 95% of retail purchases, special devices for reading cards. Launched a mobile application Swish implementing instant transactions directly from your smartphone - already covered half of the population.
Russia is still the most frequent operation with cards is the cash withdrawal. Often the reasons for this are of course infrastructure, but on checking ourselves, in our large cities, this is already all right.
Yes, of course in my research I had difficulty in the presence cards, mobile payments, NFC and other features. So, in public transport you can pay with an electronic ticket, and the market they all have cell phones.
For the year, it was no more than 10 errors related to technical problems, rather than lack of ability to feel today in a cashless society. Of course you need to say about a possible threat that I was over - cybercrime (remote theft, social engineering and much more).
The advantages include speed, security, interest on the remaining balance of the card balance and reward points, different loyalty programs, the ability to cost-based budget, no risk of counterfeit money and other small items.
Plastic cards for a very long time don't scare anybody (psychological barrier removed), their number exceeds the number of our population almost doubled.
Of course now worldwide trend of rapid development of cashless society, the emergence of opportunities of money transfers together with messages, messengers, social networks, market entry of Apple, Samsung and Android Pay, the widespread upgrading of the banking terminal acquiring in the outlets...
Only minus is the motivation state for such rapid introduction. It would seem that a two hands for innovation, creation of digital society, but is seen rather objective (unhealthy desire) to put "under the hood" and to climb to his feet in private life even further.
The development of the theme of electronic money, the creation of a national cryptocurrency brings us much closer to a truly cashless society out of science fiction, but it is a reality. A new way of life, the continuation of the technological revolution, and probably a major change in our consciousness...