Digital payment methods like PayPal, Venmo, and Apple Pay have overtaken credit cards as the most popular payment option in the US. Technological advancements are also transforming customer interactions, with 40% of consumers expected to use voice assistants instead of apps/websites by 2021, and 85% of millennials interacting with businesses without humans by this year. The document then focuses on millennials, the largest generation, who are digital natives highly likely to trust and use tech/mobile payments like apps over checks or traditional credit cards.