I had one about 25 years ago. They’re pretty much obsolete now. When I leave the house now I don’t pat my wallet pocket to ensure I have it, I pat my iPhone pocket to make sure I have it. All my bill paying and banking is done with it. I use it for everything. Sometimes I even use it to make a phone call. I can’t imagine being without it.
I’ve never used a smart phone for any business, and never will.
I don't allow my phone to conduct money transactions.