I have thought about it this way: it took a thousand years or more to use gold instead of barter (trading), a couple of hundred years to move to paper fiat currency, a couple of decades to use Plastic cards so it may take a couple of years before we go digital. My boss went to China a couple of weeks ago and told me that his credit cards were not acceptable there outside of hotels as all commerce is done with phones and QR codes already. It it not if it is coming, its when!