I still carry a single note around with me here as a backup, but I rarely have to use it. What has really advanced the process in recent years is MobilePay, a m

I still carry a single note around with me here as a backup, but I rarely have to use it. What has really advanced the process in recent years is MobilePay, a mobile app that let's anyone send money to anyone else with a phone number, provided they also have the app. As for privacy concerns - my guess is criminals and those with privacy concerns will resort to pooling payments in some way - e.g. by converting it to some virtual currency and then back again. The tracking of regular people's transactions is of course getting much much easier.