I can still remember the day when Poland FINALLY got Apple Pay. I was surprised that we were so late as we had a robust contactless payment infrastructure. Before Apple Pay was announced there were other solutions around including Google Pay/wallet. I initially intended to use it as a backup plan to my usual payment systems but I soon found myself using it for everything. So I thought it would be useful to consider the advantages and disadvantages of digital payments from a giver’s perspective.
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