Just got back from a short abroad trip to the see and people there mostly used paper or cash money, instead of digital. Even though digital payments are more convenient, paying in cash or paper is still faster. For the small business, and business that is aimed on tourism, paper or cash money still will be preferable. Even locals spend cash on buying candies, water, souvenirs, playing street video games or  claw like vending machines and etc. If this business switches to digital payment, whole streets and businesses will disappear.