When I was looking through my 'What's in my bag' photos the other day, I noticed that in earlier photographs I had a wallet (mostly Mulberry Darwin leather one in Olive). In later photographs, my personal- or pocket-sized ring organiser was my wallet, holding cards, coins, notes.

For the past four or so years though, I have not been carrying or using cash. As I used cash less and less, my binder held only emergency toilet coins and a one hundred crown note, just in case. Nowadays I don't even have those anymore. I would be in dire straits if I were unable to use a credit card or our mobile payment system, Swish.

Sweden went very fast towards a cashless society. Many shops are card-only and less than 8% of people now use cash. As far back as 2013, Sweden had the second lowest number of ATMs per capita in Europe. It is very hard to deposit cash or coins, and it feels as though almost all brick and mortar banks have closed.

In the event of a cyberterrorist attack on banks, the electrical grid, or the internet, people like me would be totally screwed.

All I carry with me is my phone, which holds all my cards. If that were stolen, I would be screwed.

What about you?