it will take long long time.. especially the third world countries. . where the local transportation is Tuk Tuk and Rickshaw and the local hackers do not have have a smart phone. Illiteracy is the main problem and hindrance in making this cashless policy a reality.
Local hackers but don't have a smart phone? I think that's too much for that description, most hackers that we usually know are in depth of knowledge with modern technology.
Well, maybe it's a real thing that they don't have a smartphone and only got PC on use. But I'm thinking of the reality that today, it's likely that smartphones are already a necessity.