the technology is developed and some companies use credit card to pay salaries to their employees, but others use a traditional way to pay salaries by cash. For example, insurance companies usually give their employees a debit card to pay for their monthly salary, but small companies use a traditional way to pay their workers. Another similarity is that some card holders usually lose track of their expenses and the same thing happen with people who use cash. For example, people usually go to the ATM and they get a statement, and if people use cash they have a control of their money when they realize that they are spending a lot of money disappears.