When Will Your Phone Replace Your Keys And Wallet?

 When I leave my home, I check that I have three things: keys, wallet, phone. How long will it be until the first two are obsolete? My wallet has only three things I actually need: credit cards, cash, ID. Any American with an iPhone 6 has already obsoleted credit cards, courtesy Apple Pay. Any Kenyan, Senegalese, etc. with a phone has long obsoleted cash, courtesy M-Pesa, Orange Money, etc. Read More