Kung merong technology na isahan nalang tipong celphone mo na ang both receiver ng salary mo tapos wallet and pay app eh di wala nang need for any apps that go in between the source and the merchant/service.
I agree sa sinabi mo sir.
The problem mainly revolves around the availability of transferring funds from fiat to digital cash. Nakita naman natin na ang mga ibang busses at ang MRT, beep ang ginagamit natin. Although some 7/11 and Ministop convenience stores offer reloading of our 'beep cards', kulang pa rin yung mga additional ways para ma-load ito. In addition, sana may mga iba pang services and stores ang tumanggap ng electronic cash para mas lalong mapabilis yung pag-implement ng ganitong systema.
Like what others mentioned, hindi ito overnight process pero onti-onti na din tayong nag-aadjust dito.