I personally started using digital payments once phone touchpay systems came out previously you had to take out cash or card from your wallet to pay so I would still use cash. But once phone payment became common just tapping your phone to pay had a lot less friction than taking out wallet and paying cash or by card.
Yeah, I carry a small wallet and pretty much never use phone pay. I'm taking something out of my pocket in either case and there's never a question whether my credit card will work or not.
I started using digital payments once I got an Apple Watch. Double-click a button on the side, tap the watch on the reader, I'm done. Very little friction and good security; it is really a no-brainer. Provided the reader accepts Apple Pay, that is....
