How do you pay for your coffee? Is it with change? I use my tap-and-go card. I don't even need to enter my PIN number or a signature to authorise payment. It's quicker and everybody in the queue is happy.

Contactless payments are gaining popularity. Those concerned about security will be pleased to know that the amount of money you can spend in one go is limited – in the UK it's currently £30. But if the card is used a few times in a row, a PIN number will be needed. If a thief gets hold of your card and goes on a spending spree, your bank covers you against fraud. Whereas, if someone steals your banknotes, that's your bad luck!