Yes, I use online banking and payment by card all the time, but it bugs me that on so many occasions when I tap the card, a surcharge is added. Order the fish and chips - $39.00, tap the card, $39.50. Buy a lotto ticket, buy a pizza, surcharge added.
I don't use a banking app on my phone, and many older people don't have phones that can handle apps. But now, you are being forced to use this technology. Going on public transport? Tap your phone. Buying a coffee? Tap your phone. Granny, 90+, is totally lost. And these apps use up your phone battery and data allowance on your phone.
I need another haircut. I'm a cheapskate, I go to a booth in the mall where you pay by cash into a machine which issues a voucher. A buzz cut is $15. The machine does not give change, So you need 1 x $10 and 1 x $5. ATM's don't issue $5 notes. So I need to go to the default bank, Coles or Woolies and get cash out at the checkout. But you have to buy something you may not need just to go through the checkout. You are being manipulated all the time. Customer service is dead.