I don’t own a wallet, and never have my card on me. I never use cash unless I absolutely have to, and actively try to avoid doing so. All payments are via my watch or my phone. I don’t even think of carrying my card anymore.
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What is it about a barbers and cash? In london plenty take card but it tends to be posh ones charging £15-£50
Even buskers take card now. Even one yesterday had a sign that said “NO CASH”
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Ive started using Apple Pay a lot more since SCA was introduced.
For me the whole point of contactless is to speed things up, I really dont want to be trying to pay with a card only for then to have to insert my card and put my pin in anyway.
For app based banks it would be kind of handy if you received a notification stating that your next transaction would be SCA checked so at least you can prepare yourself.
Fortunately, Monzo do 
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I can echo @gt94sss2’a comment with some more detail. Almost everyone uses card, a very small proportion of people use mobile contactless payments, even among younger age groups it’s barely over 25% of registered devices.
(UK payments market summary 2019)
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Lots of Apple Pay ads right now in London.
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Used Google Pay when I left my wallet on my desk and walked the 1/4 mile to the health food shop (Greggs). Other than that, I’ve tried it a few times and just find physical card so much easier.
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Curious why a few people have said they don’t trust google or Apple with their payments. It’s probably for a different thread really. Both have said they take your privacy very seriously. At least I’d trust Apple who are very very vocal about user privacy. I can see why you might not trust google so much but I feel I’d trust them with payments.
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I use the Tesco Pay+ app for this. Clubcard and pay in one scan 
I use Apple Pay because all my transactions are tokenised.
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I have never signed up for Google Pay. I’m completely happy carrying my card, and don’t see the benefit of paying by phone outweighing Google (or Apple) having my transaction history available.
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Not carrying a card is one. Apple also has no access to tx history.
Apple doesn’t store or have access to the original credit, debit, or prepaid card numbers that you use with Apple Pay. And when you use Apple Pay with credit, debit, or prepaid cards, Apple doesn’t retain any transaction information that can be tied back to you—your transactions stay between you, the merchant or developer, and your bank or card issuer.
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I still use my physical card at mcdonalds drive thru because I don’t want to unplug my phone from CarPlay 
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I use Google Pay wherever possible and only use a physical card if it’s absolutely necessary.
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Apple pay wherever I can, which is most places except a social club I use which is still cash only. R-
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I just trust Monzo and MasterCard better than Apple/Google (I don’t trust them at all)
Monzo is transparent as it gets for a bank.
Apple/Google are big companies with a chance to sell your data. (It’s another party involved)
Plus it gives Monzo higher comission on the interchange as apple and Google get no cut when the physical card is used so more work on Monzo can be done.
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I mix and match with no rhyme or reason really.
I probably use my card the most often, and tend to use my watch at self-checkout tills (easier to access on my wrist than take my phone from my pocket).
I think my card use is just force of habit, had one for 30 years so hard to stop that muscle memory.
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Nonfree software so theres no proof of that so you have to take their word for it.
So I still would not trust any of big tech with money anyway.
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Yeah Apple software is not free, you pay a LOT to get access to Apple Pay after all.
But they don’t need to sell your data to make more money.
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I do. 🙋
I find it quicker to just get my card out and tap it than to get my phone out, unlock it (difficult one handed with a shopping basket in the other), turn on NFC, then tap it.
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