“It's not used globally, but the tap system, like, you tap your phone or just a credit card. So it's easier, but I think that has security risk. But that's it. Or, like, there's an international card that works for every country that yeah. A card or payment tool that works for every country because you know? So we do not experience delays or acceptance issues or payment issues.”

“So American Express, I associate with having entire flexibility no matter what the emergency bill or expense is that the that that card can absorb it. The Mastercard from Halifax allows me to apparently get the best exchange rates with no fees, and Apple Pay is connected to both of those. So if I forget my wallet or lose my wallet, I know I can use Apple Pay wherever I am and wherever there's a credit card machine.”

“Depending on the country that I'm in, which most of the countries in Europe, that are part of you, United Nations, they have a lot of them gone cash less. So I use my, Visa, cards there, because, again, they're cashless there. I don't have a foreign exchange rate. So paying in euros, pounds, it's doesn't matter. I'm not having to pay an exchange fee, so I will use my credit card at all of those. Also, because it's a cashless, system, they usually take Apple Pay every single place. My husband, has, Google Pay because he has an Android system, but I do find it very rare to find a Google Pay. So it's usually Apple Pay or my Visa.”

“Where accepted, I'll use card. So you usually, Apple Pay to pay for things. Sometimes if you're booking something online, like attractions or something, then pay using Apple Pay as well. Or, sorry, just using, card.”

“Mostly when I'm traveling, I prefer using my my debit card or credit card because they're mostly universally used in most countries. For other countries that use Google Pay, I use Google Pay. I rarely use cash because of security purposes. But once in a while, on very, very rare occasions, I have a bit of cash in the currency of the country that I'm traveling in for areas or other places where they don't accept other modes of payments. But mostly, I use my credit card to shop for things and buy food.”

“So I would say the main thing we tend to use is Apple Pay. We do take credit cards and debit cards, just in case there's any issues, when using Apple Pay. And we also do tend to take a bit of local currency as well. So we have, money on us just in case, there was any situation, where we may have to use money.”

“When I am booking, I use Apple Pay because it's just so much easier. I don't have to do the most to do this. But for flight tickets, this option is not always available, so I will use my card, credit, or debit to pay for this.”

“My first option our first option will always be Apple Pay. You know? When I say Apple Pay, I don't mean, like, Apple credit card. No. I don't owe Apple card. No. I mean, like, the tap to pay. So I have cards in my wallet on my phone, and those are the ones that I'm gonna be using. If that doesn't work, then we will use a physical card.”

“Mostly with a card, so usually with a mobile phone and then contactless. Or if that doesn't work with a mobile phone, then with a physical card. So occasionally cash, but that always depends on where it is. And most places accept card payments these days.”

“I mean, it depends on the country, but my preference is using a prepaid credit card, or credit card depending on the exchange fees. Yeah. Those are my or which includes, like, for example, mobile phone pay, so, like, Apple Pay and stuff, mainly because it's just easier than carrying money. I don't have to deal with exchange rates as well, like and I don't have to carry cash where you know, I feel like if you don't know what the, amount you're being charged, then you can just learn it digital digitally because it's just more effective. And I don't like carrying a lot of loose change or notes that I won't be able to use again.”

“And then I really like Apple Pay to make it super easy for me to tap places. Like, I feel like all over Europe, a lot of people don't even use physical cards anymore. They just have, like, the readers that they bring around to everything. So it's really nice and convenient to just be able to tap my phone and pay for things and not have to, like, worry about getting my credit cards out and, like, worrying about, like, them getting lost and stuff.”

“Accessibility and convenience and efficiency. Like, for Apple I wish Apple Pay is available to every country since it's all in there. We always use our phone. So I wish Apple would be would integrate Apple Pay to every country. And Visa Visa is everywhere. It's used by every country there is, so it's more accessible for everyone to have.”

“I've not really had any issues in the the main shops with regarding using Apple Pay or or a credit card. I haven't had any issues about fees with making sure I use a fee free card. I know some of the smaller shops, you have to pay with cash, though.”

“I still like having a physical card. I do worry about having, like, online wallet. I don't really like that too much. Convenience. It would be nice if, like, all your credit cards were accepted everywhere, but, I think that there are some credit cards that already kinda have that feature built in that they're just, you know, internationally accepted.”

“Because Visa and Paypal are accepted everywhere, not everywhere, mostly in countries that tourists like us often visit. That's why it's more comfortable to use them because they're accepted internationally. And many people in different countries also use them.”

“Sometimes it's annoying when when you book want to book a ferry and they only accept, like, GCash here in The Philippines. That can be annoying. But other than that, I don't really face any struggles.”

“I will occasionally use my phone as well as a tap to pay, you know, through Apple Pay. That way, I can be, you know, hands free or use the the cards that are attached to Apple Pay as much as possible. Some countries are better than others at having that capability, but that's the other way that I will pay for things.”

“Because I already use all of those those as, those, those brands are the brand name. So it is accepted from most of the epos machine comparing with some small company. For the other brands, maybe it's not like, for example, like American Express or the Google patient. It look like it's not the small company, but for some location, it's not popular, then it's hard to use.”

“Well, first of all, you have to find this app that could be accepted anywhere when when you pay. I mean, you can pay with an app in a restaurant or in a supermarket, but in another one, it's not accepted. This app should be globally recognized. Let us say it like that.”

“Okay. This is a good question. While traveling, how do you usually pay for things like food, shopping, attractions, or transport? So, basically, there are different, you know, cases about this. There are merchants that accepts cashless transactions such as debit or credit card. So in my case, since I've been using debit card for, like, many times already, I tend to use it for some merchants that accepts, you know, debit card or credit card. But in some cases, I use, like, e wallets. So e wallets, like it's like a Venmo, Google Pay, or GCash, or PayMaya. There are some other countries that accepts those cashless cashless transactions or using my phone. So I use that to purchase something like food or or transport. Or other cases, if the merchant does accept doesn't accept, you know, cards or phones for payment. So I have to withdraw through the nearest ATM to get some cash. So I use those cash to, you know, pay some goods or transportations. So it really depends on different merchants and from different people since not every not every store is online or not every stores set still this kind of, you know, payments.”