text:  in particular some of the key trends would be there's digital wallets so you can load your card or your bank account into a digital wallet and you can make payments you can send money to your friends you can tap your card you can tap your phone to enter a transit location or to pay at the point of sale and online shopping now in particular is just part of the normal way to pay and so those are some of the major ways in which payments have changed over the last 10 years in general