From 29 April you can use your mobile to make person-to-person payments. As phones with debit-card style chips are planned, cash, plastic, even wallets could be redundant
Via Huy Nguyen Trieu
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This is a VERY good summary by the Guardian of the next roll outs for mobile payments by banks and telcos in the UK. If implemented correctly, it means that : p2p payments through mobile phones will be free (for individuals) and handled by banks. If you don't live in the UK, there is a payment system called Faster Payment (free, allows almost immediate transfer from person to person, usually online/phone) which is very widely used/