Digital payment instruments, unlike cash, can carry much more detailed data such as who buys what, when and where. Now many giant IT firms, known as BigTechs, have embarked on providing cashless payment services at low cost or sometimes for free. These firms tend to use payment services as a platform to collect big data, and utilize these data for a variety of businesses.
I well remember how I felt during my own final year: excited, anxious and curious all at once. Over the next few months, you will need to take serious, life-changing decisions. The data suggest there is about a two-in-three chance that you will pursue further studies. For many, a master’s degree is a natural step towards a PhD.