Lately I’ve been noticing how many shops around me quietly switched to wallet-based payments without even announcing anything, and it got me thinking a bit more seriously about where this is heading. Do you folks feel like digital wallets will basically take over by 2026? I’m not against the idea — it’s convenient — but sometimes I worry banks will suddenly roll out their own “must-use” systems and complicate everything again. I’m curious how others see this playing out, especially since habits change slowly even when the tech is already there.