Cards and digital(数字的) technologies     1    (kill) off cash slowly, but is it a cause for concern? Not     2    (necessary). Here are some ways of making the most of digital finance.

Cash is no longer king. Over recent years fewer and fewer transactions have been made with cash. The most recent figures show coins and notes are used just 34% of     3     time, down from 63% a decade ago. And usage     4    (predict) to fall to just 10% in 15 years.

Instead we’re paying with cards and digital technologies. Some of this is down to user choice, with contactless cards and smartphones making spending     5    (fast) and more convenient.

But it’s also being forced upon us. Some retailers are refusing physical money as they can avoid the high bank charges levied(征收) at them for     6    (handle) cash. Meanwhile it’s harder to get your hands on notes as cash machines and     7    (bank) disappear from the high street. And these are trends which are likely     8    (increase) in the coming years.

This could be bad news if you still primarily use cash,     9     that’s how you pay your bills or how you budget. For some, cash is just what you know. For     10    , cash is a necessity—especially when going digital is the alternative.

As a result this move towards cashless society makes many uneasy.