Smartphones are getting smarter,  I wish I could say the same for me.  The latest is using your smartphone as a debit card, even at some ATM's.  This way you don't need to worry about losing your credit cards or fake ATM's.

Those who know more about it then me (that would be just about anybody, including my 7 year old daughter), say it would eliminate skimming fraud and printed paper receipts, although you could retrieve the receipt later on your smartphone.  They also say that it requires no additional  ATM hardware.  You can find out more about all of this at www.ncr.com.  However if your like most people,  I would worry about losing the phone,  then you could have some serious problems.  I'll stay with my fat wallet busting at the seams (but that's just me.)