In this photo taken Oct. 21, 2018, Paddy Kelly and his daughter Ailish use Gohenry, one of a wave of digital banking apps for children, in London. A wave of digital pocket money apps that come with prepaid cards are new tools for financial education as money increasingly goes digital, in a shift that’s raising uncertainty about how cashless transactions affect youngsters’ view of money. (AP Photo/Kelvin Chan)
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