There is more to cards than Christmas cards

I have waffled on at great length about the future of Cash and cheques, and made noises about security of cards with inbuilt radiosonder, so what is a buyer going to do?
moneyWell, most people I know use a combination of all of these methods, paper, plastic and electronic payments including smartphones and some have regular bills direct debited automatically, e.g. power, phone, rates and many others like hire purchase, and some also use direct credit payments via on-line to pay suppliers.
What fewer people may have considered is

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