Ключевые слова: african, african woman, atm, break, card, caucasian ethnicity, coffee, colleagues, connection, consumerism, contactless, contactless payment, credit, credit card reader, customer, device, digital, economy, finance, friends, hand, holding, human, information, lifestyles, lunch, mobile phone, modern, paying, payment, people, phone, portability, portable, reader, restaurant, shop, smart, smart phone, smiling, technology, telephone, using phone, waiter, wireless, work, young adult,