So one month ago, that got us thinking: How long before we could get by using just ourÂ smartphones as our wallets? How long before we could ditch that fat piece of folded leather stuffed to the breaking point with credit cards, IDs, transit passes, cash, and printed coupons? How long before we could rely on just apps and NFC? Has the day already arrived? For the past month, Iâ€™ve been trying to find out.