I have definitely seen what has happened in payment over the last ten years. We are living in a cashless society and most of us are enjoying the convenience of online payments, but, in the meantime, a small portion of seniors are putting up with difficult programs on their phones. I am really concerned about the future of human beings; we are surrounded by a variety of electronic devices that are evolving rapidly. I believe that our eyes will be scanned to pay for everything soon without having to use a phone. Chips will even be moved into our bodies in order to identify us, and will connect to the internet and store all of our information. In that scenario, the real world might be turned into a virtual world and data sent directly into our minds via the chip. The data would be updated regularly by the changes that happen in reality. We'll be able to pay for everything just with our minds. We'll be able to know everything about the world and won't need to learn anything. It sounds so great, but we can't predict what the world will look like and what problems might occur at that moment of technological advancement.