Between classes, you decide that you need an injection of caffeine to help you remain awake in your afternoon Game Theory lecture. You walk briskly to the café and order your noisette. When it comes time to pay, you take out your iPhone and hold it to the point-of-sale system, quickly and conveniently purchasing your beverage via Apple Pay, without the direct usage of any cash or card. As you sip your stimulant, you remember that it’s the first of the month and your propriétaire is expecting his monthly rent. Not wanting to further damage your already strained relationship with him, you open up the Hello bank! app on your aforementioned iPhone and transfer the payment seamlessly by simply entering his mobile number. With a few minutes more to kill before class, you check in on the performance of the savings you sensibly set aside from your last internship by similarly accessing the app of Marie Quantier, an up-and-coming robo-advisor.