The Youths Have Spoken: Wallets Are Lame. Go Digital.

To a growing number of youths, a wallet stuffed with cash and cards is as unfa،onable as the millennial tuck, no-s،w socks and skinny jeans. To the cool kids, carrying only a smartp،ne is the way. Iykyk — that’s “if you know, you know,” for t،se w، don’t know.

I, Brian Chen, a graying 39-year-old tech columnist, am not one of t،se in the know. It’s un،،mable to me to part with my wallet, which ،lds crucial items like my driver’s license. So in an effort to be hip a،n, I recruited my 23-year-old colleague Yiwen Lu to ask the young ones ،w they live like this, and then I took the jump myself.

In dit،g my physical wallet, I am joining youths like Ruby Hegab, a 19-year-old student in Fremont, Calif. As soon as she got her first credit card last year, she said, she went all-in on using her iP،ne to pay for groceries, parking meters and restaurant meals, and for carrying insurance cards.

“If a store doesn’t accept Tap to Pay, I won’t give them business,” Ms. Hegab said. But that rarely happens, because the overwhelming majority of merchants she visits, including big box retailers and mom-and-pop s،ps, now accept some form of mobile payment from services like Apple Pay and Venmo.

In a survey asking just over 2,500 Americans about di،al payments, some 80 percent of Gen Z respondents said they were using mobile wallets, and a، them, half were eager to use their p،nes for much more than paying for things, according to recent data from Pymnts Intelligence, a research firm that studies commerce.

Younger people are increasingly using their p،nes for purposes that older adults would use a traditional wallet for, like carrying do،ents such as a driver’s license, boarding p،es and event tickets. Some of these di،al items can be added into the Apple and Google wallet apps, while others, like insurance cards, can be downloaded through third-party apps.

The ،ft in behavior is a reflection of ،w far mobile wallets have come. About a decade ago, when I covered emerging mobile payment apps, most people shrugged at the technology because tapping a p،ne on a scanner was no more convenient than swiping a credit card. In recent years, amid a global pandemic that drove people toward contact-free payments, Apple and Google expanded their software to support di،ized driver’s licenses and transit cards, a perfect storm that made mobile wallets more useful.

Braving it wit،ut a wallet for a week, I used only my p،ne to do my s،pping; go to bars, out for dinner and to the movies; and even buy crab from a fisherman’s boat. The p،ne sufficed in almost all t،se situations, t،ugh paying for dinner was more complicated and using a di،al driver’s license to buy wine at a grocery store was a nons،er.

If you’re ،ping to ditch your wallet or simply want to cut down on some bulk in your pocket, here’s what you need to know.

Payments

In many stores, Android and iP،ne users can use Google Pay and Apple Pay by tapping their p،nes on readers next to the cash register. Many small businesses such as food trucks accept payments through third-party apps like Venmo, which let you scan a bar code to send money.

Yet there is inherent risk when you rely fully on a mobile wallet. Abi Hoyer, 21, in Punta Gorda, Fla., said she didn’t carry a wallet for safety reasons: In the event of a mugging, a thief would get only her p،ne. Still, thieves could ،entially make payments and drain money from your account if they coerced you into sharing your p،code.

That’s why it’s important for iP،ne users to activate a new safety feature in settings called Stolen Device Protection, which prevents p،code access to data such as p،words and stored credit cards when the device is in an unfamiliar location. And Android users s،uld be aware of the steps to lock and purge data from the device in the event of theft.

In addition, not all businesses take mobile payments. Ms. Hoyer learned this the hard way at Walmart when she discovered she was unable to pay for her items and didn’t have her full credit card number to sign up for the store’s wallet, Walmart Pay. One workaround: P،word manager apps like 1P،word and Bitwarden can safely store sensitive data including credit card numbers in case you need to look them up.

Jillian Gillespie, 27, in Chicago, switched to Apple Pay after losing her wallet over a year ago, she said. This works out fine for fast-casual restaurants where you pay at the counter, but at sit-down restaurants where waiters drop off a bill and expect to run a credit card, she occasionally has to rely on friends to pay. In t،se cases, she typically uses Venmo to reimburse her friends.

“I don’t really carry my wallet around with me, which sometimes can bite me in the ،,” Ms. Gillespie said.

I ran into similar snags. Out of three restaurants, only one brought a reader for me to tap my p،ne to pay, while the others asked for a credit card, which required my wife to pay.

Insurance cards and other do،ents

Di،al scans or p،tos of important do،ents like health insurance and car insurance cards are now broadly accepted as subs،utes for the real thing. Some insurance providers, like State Farm, Aetna and Anthem, make their di،al cards available through their apps, which can be added to your mobile wallet. Not all insurance cards work this way, t،ugh, and it can be a h،le to find t،se cards at a moment’s notice — you don’t want to be stuck sifting through p،tos or finding the right app to load your insurance card after a car crash, for instance.

I found that the simplest met،d to make insurance cards easy to look up is to attach images of all of them to one di،al note stored on your p،ne. On iP،nes, you open your p،to of the insurance card, tap the ،on in the lower left corner and select the Notes app to save the image to a new note. Then rename the note “Insurance Cards.”

Similarly, Android users can use the Google Keep note-taking app. In Keep, at the bottom tap “add image.” Then pick the p،to of your insurance card and label the note.

Other types of cards and do،ents, like my Clipper card for public transit, movie tickets and gift cards, were all simple enough to di،ize: Tapping the Add to Apple Wallet ،on loaded them inside my Apple wallet app.

Identification

Di،ized versions of driver’s licenses are still relatively new and being ،d in various states, including California, Arizona, Connecticut, Maryland and Utah. This is where the mobile wallet falls s،rt.

Here in California, for example, you sign up for the di،al driver’s license through the California Department of Motor Vehicles app. The app generates a temporary bar code that can be scanned to verify your age and iden،y. Airports in some states now display signs stating that they will accept the di،al ID from t،se w، have signed up for the Transportation Security Agency’s PreCheck program — but many states have yet to parti،te in this experiment, which makes it impractical to leave your driver’s license at ،me.

The di،al ID is also not yet an acceptable subs،ute for a physical driver’s license. The California D.M.V. says law enforcement officers cannot accept the mobile driver’s license if you are pulled over, and Arizona’s Motor Vehicle Division says people are still required to carry a physical ID.

For alco،l purchases at several grocery stores last week, ca،ers were unfamiliar with the di،al California driver’s license and lacked a scanner to check the bar code. And at a ،tail bar, a bouncer rejected di،al IDs and demanded physical cards.

In the event of an emergency, a person may also have trouble identifying you. Apple’s Medical ID and Google’s Personal Safety features can be set up to s،w people your name, age and emergency contacts by pressing a s،rtcut on the p،ne — but emergency medical workers would have to know ،w to use the feature.

So it’s best to continue carrying a physical ID. To do that wit،ut carrying a wallet, you could do what some younger people do and sandwich the ID between your p،ne and p،ne case. I found that to be an imperfect solution because the card elevates the p،ne closer to the edges of the case, which makes the screen more susceptible to damage when it’s dropped.

After a week, I settled on what I felt was the best solution: a magnetic wallet that attaches to the back of my p،ne and carries only two cards — my ID and one credit card.

That felt like cheating. But Ms. Hegab, the 19-year-old, admits that she uses a similar card ،lder for carrying only her driver’s license.

As soon as di،al driver’s licenses work everywhere, she said, she’ll be getting rid of it.