According to AC Nielsen, 90% of transactions in the US will be cashless by the year 2020. PayPal had 63 million accounts last time I looked, which makes it larger than most national banks,while in Korea during the month of June 2004, 300,000 people purchased cellphones into which you can insert a memory card containing all your financial data. So will physical money soon be a thing of the past? Most observers say yes, but don’t underestimate the power of human nature and tradition.