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Many people do not use ATM at all. They pay by cards in different shops and anywhere and do not have cash at all.
Well, yes, and someday in some countries, cash will be perceived as an atavism of commodity-money relations. KYC or AML will not be needed, since all payments will be related to the user automatically.
All payments via bank cards are connected with a bank accounts. Thanks this it will be possible to control all the payments of the users.