People have spending habits that are deeply ingrained, but as we become more mobile and online, are Millennials the next generation that will think it’s normal to keep a wallet? Will they say, ‘I can’t believe we used to carry around metal cards with chips?’” says The Fletcher School at Tufts University’s Ben Mazzotta, who helped design the challenge.

People have spending habits that are deeply ingrained, but as we become more mobile and online, are Millennials the next generation that will think it’s normal to keep a wallet? Will they say, ‘I can’t believe we used to carry around metal cards with chips?’” says The Fletcher School at Tufts University’s Ben Mazzotta, who helped design the challenge.