Ключевые слова: african american ethnicity, african ethnicity, banking, business, business lunch, business person, businessman, cafe, closeup, connection, consumerism, contactless payment, digital wallet, finance, internet, lunch, men, mobile app, mobile payment, modern, near field communication, occupation, payment, people, restaurant, satisfaction, smart phone, smiling, technology, terminal, transaction, using phone, waitress, wireless technology, women,