Q: Increasingly, loyalty programmes are turning their apps into virtual loyalty cards – sometimes even bypassing the card altogether. So, does this mean we can finally bid a fond farewell to bulging wallets? And the annoyance when you realise you’ve left your loyalty card at home, in an attempt to declutter your wallet, and are missing out on the deals and rewards?

A: If that’s your vibe, then yes. But, interestingly, many of us still prefer actual physical cards.