I've used mobile payment apps like Venmo and Cash App for years, but I still find myself pulling out my physical credit card at least half the time. The convenience of tap-to-pay is real, yet the security concerns and occasional app glitches make me wonder if fintech has truly replaced traditional banking. Can digital-only banks ever fully match the trust and reliability of a brick-and-mortar institution with a teller you can actually talk to when something goes wrong?