We know cash’s popularity is fading fast, and apps and services like Venmo and Zelle are impacting the banking industry at large. Even friends and family members—grandma included—have begun to forgo cash and checks in favor of these electronic payment methods. How important is it for your bank to adopt new payment technology? John and Josh discuss digital payment services and how they’ll affect the future of banking. And, of course, John also managed to work cryptocurrency into the conversation, because he can find a way to bring Bitcoin into anything.