Many countries in Africa are probably leading the way. Central and up uses phones as a virtual card, they send cash around with their phones using different typ

Many countries in Africa are probably leading the way. Central and up uses phones as a virtual card, they send cash around with their phones using different types of sms/digital technologies. In the south such as South Africa a lot of people have some form of bank card (apart from the people on the very bottom of society). As such those people on the bottom are affected by being cashless, because for example people might no longer carry around cash to hand out to the needy on street corners etc.