No, this article is about near cashless society that are not in Europe but in Africa. I think you lack an understanding how cashless transactions work in Somal

No, this article is about near cashless society that are not in Europe but in Africa. I think you lack an understanding how cashless transactions work in Somalia. First off, no one is using a credit card in Somalia. They don't work, no one has them. Two, the article made it very clear, carrying cash is a big problem in Somalia due to crime. How contactless payments work on phones in Somalia and M-Pesa is that you have to have a code to access the funds on the phone. If someone robbed you and they get your phone, they still don't have access to your funds. You can simply go to the phone store (Or whatever they have in Somalia) and get a new SIM for your account and then have access to your funds. I imagine that carrying cash in Somalia is extremely dangerous and well worth the "Big Brother" factor.