it took a very long time to be able to divert the use of real money into digital money, the biggest obstacle being the level of technological progress of each different country. if in developed countries it is very easy to realize the replacement of real money into virtual money because it is supported by good internet connections and other adequate supporting facilities. but if we are in a country that is inevitable especially in rural areas that have not been touched by advanced technology, everything is very difficult. so it still takes a short time to be able to change the payment instrument.