Cashless society

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Across
  1. 1. are the electronic equivalent of muggers and bank robbers
  2. 3. Financial transactions carried out without using cash are called
  3. 5. community transaction tool
  4. 10. the person making the withdrawal
  5. 12. payment without money
  6. 13. is in your hand or on your cell phone Without me, you cannot buy or pay directly in this modern world What am I?
  7. 14. payment receipt
  8. 16. money cannot be stolen physically, but it must be protected from hackers What am I?
  9. 18. card is rectangular in shape and can be slipped into my pocket and wallet I usually use it when making payments Who am I?
  10. 19. is only paper but everyone is working hard to find me who I am
  11. 20. I'm faster than paper safer than metal who am I
Down
  1. 2. is the main advantage of the cashlees society
  2. 4. balance is a number that increases when you work, and decreases when you shop
  3. 6. Influence Will this change affect people's consumption patterns or social behavior?
  4. 7. How to maintain user privacy in a system that records all transactions
  5. 8. round object for making payment
  6. 9. objects for storing money
  7. 11. take money through the machine
  8. 15. I'm just a number but I'm very guarded and if I'm scattered then my money will run out who am I?
  9. 17. the game uses money