[robertfall]

In South Africa, middle-income and above can be almost all digital if they choose. Some folks prefer cash and it's still accepted most places, though I'm seeing some places go cashless more recently.

This is the case even at small markets etc. Over the last two years mobile NFC machines have become widespread.

The only area where I personally feel like I need cash is with car guards (literally people who stand and look after cars in parking areas). I'm not a fan of the profession, but it's culturally common place and many folks tip in small denominations of notes or coins.