From what I've seen here in London (UK), mostly tourists use cash. Everybody else uses contactless payments. You can pay with contactless cards or apple/android pay on the public transport or on your corner grocery store.
And with the new fin-tech banks like Monzo, Starling or Revolut the banking apps are light years ahead of traditional banks.
And with the new fin-tech banks like Monzo, Starling or Revolut the banking apps are light years ahead of traditional banks.