I remember that people tended to give their friends a nice wallet as a birthday gift many year ago. A good wallet was used to store cash, credit cards and receipt. Some like put some photo stickers in their wallets. A wallet was very important and necessary for everyone. I still remember that I seldom went to bank or ATM all of a sudden a few years ago. We could install some apps which offered all kinds of bank services. From then on, Wallets and banks began to get far away from common people. I have never seen a person who waited in line before an ATM machine. Our pocket has the only owner: our lovely phone. Every payment can be done on a phone. People under 60 are excited about this kind of payments, but the elder people don't think that a payment app is simple to use, especially the features of the apps change almost every day to meet the most people's needs. Maybe all the apps will be evolved to meet everyone's need in the near future. Overall, the payment trends over the last 10 years makes our life convenient, but all these payments lead us to consume. We found tha t it's really harder to save money than before. If you don't believe, just check your back account. is it a sign of "+" or "-" on it?