The trend towards use of non-cash transactions and settlement began in daily life during the 1990s, when electronic banking became popular. By the 2010s digital payment methods were widespread in many countries, with examples including intermediaries such as PayPal, digital wallet systems operated by companies like Apple, contactless and NFC payments by electronic card or smartphone, and electronic bills and banking, all in widespread use.[4] By the 2010s cash had become actively disfavored in some kinds of transaction which would historically have been very ordinary to pay with physical tender, and larger cash amounts were in some situations treated with suspicion, due to its versatility and ease of use in money laundering and financing of terrorism, and actively prohibited by some suppliers and retailers,[6] to the point of coining the expression of a "war on cash".[7] By 2016 in the United Kingdom it was reported that 1 in 7 people no longer carries or use cash.[8] The 2016 United States User Consumer Survey Study claims that 75% or respondents preferred a credit or debit card as their payment method while only 11% of respondents preferred cash.[9] By 2017, digital payment methods such as Venmo and Square contribute to cashless transactions. Venmo allows individuals to make direct payments to other individuals without having cash accessible.