@Mrzorro:I totally agree that e-wallet make us spend more because of the rebate or prizes they offer. Even though I am not  generation Z but nowadays, most of the ppl also use e -wallet because it is not only convenient but also for saving the money (cash rebate or discount). My spending habits depend on how much money I have [LOL] mostly spend on food and payment of loan and fees. I prefer an e-wallet that can track my spending. sometimes, we will use a credit card if it is in need ( spending future money, pay later, or some people even drag until the card is exploded). Anyway it is all about self-control and how you spend your money wisely. Different kinds of paying methods for different people, that is no right or wrong. Spend your money like a monkey ? cause no money, no honey [LOL]