> In fact, living in Poland currently, I can't remember the last time I used a physical card anywhere. For the last two years or so I've only been carrying my p

> In fact, living in Poland currently, I can't remember the last time I used a physical card anywhere. For the last two years or so I've only been carrying my phone with me, no wallet at all. Here in Denmark we recently got an official digital drivers license. You verify your identity with the government issued 2FA system, scan the NFC chip in your (non-expired) passport, and you're golden. The digital license is as valid as the physical license. Couple this with NFC payment being a requirement anywhere that takes payment, the banks having developed a way of transferring money between accounts in different banks instantly based on just a phone number, and the digital drivers license, there's never a need to have my wallet on me. At the moment I'm not even sure where it is -- it's somewhere in the apartment.