cashless payment and globalization

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Across
  1. 3. The opposite of cashless
  2. 4. Paying without physical money
  3. 8. An app used for transferring money
  4. 10. Large companies operating in many countries
  5. 12. The spread of fast food chains globally
  6. 15. The process of the world becoming more connected
  7. 16. An international organization for trade and economy
  8. 18. System for secure online transactions
  9. 19. Popular worldwide music, movies, and fashion
Down
  1. 1. A transaction without paper money
  2. 2. Using QR code to pay
  3. 5. The opposite of global
  4. 6. Language often used in global communication
  5. 7. Buying and selling between countries
  6. 9. The digital version of money
  7. 11. A person who moves to another country to work
  8. 13. A small card used for electronic payment
  9. 14. A unique number to confirm your payment
  10. 15. Problems like climate change that affect all nations
  11. 17. Paying using a phone