How to exchange money with a smartphone or app?

It's a very special feeling walking around the world without a wallet, without that thick piece of leather or fabric that chafes in your pocket, creates weird pant silhouettes, makes sitting uncomfortable, and provides almost as much resistance as the Vietnamese did to the Americans in the Vietnam War when you have to pull it out on the plane. But worse than this is the realization that you've lost her. Goodbye money, cards, driver's license, etc. Or not?

Okay, maybe your driver's license and ID are lost forever, but for everything else, there's no, not Mastercard, because you've lost that one, but 'e-equivalent' in the form of applications and e-invoices which they simplify your life, which only peel the keys and not your favorite jeans and which cannot be lost, as they are accessible through any smartphone.

Google Wallet

Replaces: money, credit cards, loyalty cards and coupons.

For a long time, Google is no longer just a browser, but rather a woman's purse, where you have everything and where you can also search for money.

With Google Wallet Google Wallet since 2011, via iPhone and Android, you can go to the store and online to make a purchase, and it also allows withdrawing money from an ATM. By taking your own credit and debit cards and Bank account linked to a Google account, you can make a payment with any of the listed payment methods or make a transaction between accounts.
If your wallet is bursting at the seams with loyalty cards, you will be with Google's 'towel' save on space, because he is also happy to take you into his midst. You 'zip' them by scanning them with your phone, which uses the application to tattoo them in the form of barcodes.
It will be slow unlocked even those prone to loss coupons, as such offers are increasingly moving into the realm of applications.

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Passbook

Replaces: travel tickets, cinema, match and theater tickets and loyalty cards.

Why not pay for apple juice with the 'apple' app?

"Didn't you say you had the cards?!" forgot the cards at home. S Passbook, the iPhone's home app, those moments of horror are over, because you can use it at home any tickets, whether it's a plane ticket or a ticket to a football game, make a difference State of matter (from paper to electronic) without any loss of legitimacy.
Like Google Wallet, Passbook is also compatible with many other applications and able to collect your hard-earned loyalty points.

Venmo

Replaces: credit and debit card.

Venmo since 2012, it enables direct transactions between accounts your phone contacts. You can bind both types of payment cards to it, and although it doesn't give you as wide a shopping spectrum as Google Wallet, the force is a useful tool when it comes time to pay for a meal, but you don't have it with you (enough) of money, and share the cost of lunch. Then, right at the same moment, you can return the money to the friend who deposited for you in 'hard' form via Venmo. While it won't replace your wallet, you'll be able to walk around a lot 'poorer'.