I've probably said this before on here, my dad died in 2015 when he was 75, he always used cash - was forced to have his wages paid direct to the bank in the 80s - didn't want them going into the joint account he had (but never used) with Mum, so opened a building society account, and just took the full whack out in cash when he got paid - gave mum a wedge for housekeeping and then spent the rest . He never used a cashpoint (someone had to use it for him) never had a credit card , somehow had a mortgage (mum sorted it all out) . Mum on the other hand uses her contactless with wild abandon - hasn't quite managed to cope with on-line banking - my brother does that for her .