Card nearly exclusively and sometimes cash, although increasingly rarely. Was much more cash pre-pandemic, but that'll never come back. Stopped using a taxi firm here that only took cash, was a right pain. Not put payments on my phone, vaguely resistant to it, but not for any logical reason really, just don't see the need for it. Find buying tickets for trains etc. on my phone brilliant, saves loads of time and effort. Booked ticket to work today while in bed reading, previously would have had to go to station early, and then queued and bought a paper ticket which seems like something from the 1900s now.