Yea I also lived in China for 3 years while doing my masters and OP clearly doesn't know what he's talking about. Everywhere takes cards and cash in addition to the digital payments. And no service I used was digital only.

Edit: The only requirement I encountered was a local phone number. Not a smartphone.

Gattaca (1997) - Sure it has a relatively high IMDB score but no one I know has seen it and I always recommend it when I can.

vuniper.com