Sweden is indeed a good example from technology advancement point of view. My country (The Netherlands) is, like Sweden is, on the forefront of cashless as well. Already for years the government is campaigning to use the bank card for payments, since a few years even the small amount, like 1 Euro bill. Interoperability between banks is all arranged and free of charge to the user. Since years, mobile banking is introduced and used by many. Driven by startup companies, our banks implementing all sort of useful tools around mobile banking, like payment requests to others (through email, kinda like paypal), or splitting a bill at a restaurant. What is still missing, is the ability to use mobile banking when being offline, ie no internet connection. I believe this is possible with a local phone wallet and pre deposited funds in the local wallet. The phone will connect to the other phone (the one with whom the tx will be made) through bluetooth technology (all smartphones have bluetooth). An in between form could be using SMS (text messaging); When not having internet coverage, cell phone coverage is available at almost any point in my country. This form would not need a local funds. Not too ling ago I created a proposition in a slide deck/video (). Two years ago a few festivals experimented with mobile tokens in replacement of physical tokens that is very common in NL at festivals, tokens that can be purchased at token ATMs at the festival. The problem they discovered, the mobile network and internet connections are not reliable enough. Too many people at a too little spot for mobile networks (+ extended network base stations / cells). But off course, the concept of a local internet, or offgrid type of electronic payment system, was not born yet. I even think its not born yet in crypto world as well, but I may have missed something :)

Anyways, no matter what the future will bring, we are going cashless, for sure.

ps We had the chip implants as well, mostly promoted by some of the clubs; Chips connected with a credit card. Though it works, I think we need a few decades still for many of us to accept such wallet. Maybe it'll never revive, since we will have our wallet in whatever we like, from jewellery, to glasses or anything else we carry easily with us. Sooner than later this will be created and marketed.

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