Cash and credit cards will have mostly disappeared from many of the transactions that occur in advanced countries . '' Web experts , users say mobile payments will replace email , etc . In survey , 65 % expect phone payments to be the norm by 2020 . Others say users ' security concerns might slow that process . The study by Open Internet and Elon University singles out Internet experts .
Web experts , users say mobile payments will replace email , etc . In survey , 65 % expect phone payments to be the norm by 2020 . Others say users ' security concerns might slow that process . The study by Open Internet and Elon University singles out Internet experts .