Cash is out, taps and scans are in. For many Gen Zs in Singapore, carrying notes feels 'cringe'. Digital payments, QR codes, and buy-now-pay-later apps are the new normal. It’s not laziness; it’s a different way to manage money in a mobile-first world. As spending habits evolve, the real question isn’t about cash or cards. It’s about how financial discipline looks in a digital age.