I think that is a great idea in terms of conveniency. Here in the Philippines, workers have a lot of atm cards or credit cards. It's very much handy and not really convenient. So having a smartphone wallet is really benefial most especially to workers. The downside of it is that, your account and money are not that safe. The fact that it can be hacked or it can be stolen by holdapers and such. But all in all, it's a great step in advancing and diversifying to the usual concepts of keeping money.