I’ve been mindful of the ways companies can track my spending habits, and so have been increasingly keen on using cash and avoiding mobile banking/payment apps like the plague. I realize that this varies by country and might be a bit far out, but the thought does linger in the back of my mind. If current trends continue, how much longer until they take cash and browser-based banking from us? Or will there be a reason those options should continue to exist (and be easily usable) far into the future? And perhaps:

• What else can I, as an individual, do about this?
• Is there a tendency for larger banks or smaller credit unions to push towards mobile-only online banking?
• What does it look like in countries where cashless and mobile payments are the norm?