My banking and bill paying is basically online only. It's not obligatory but it's far, far more convenient online.
Debit cards still exist but they are being phased out slowly in favor of NFC.
To board transport I can still use a card but recharging it is easier via an app than by standing in line at a machine where I'd have to pay with a card or cash.
At work we often communicate via group chats. It's quicker and less intrusive than phoning or emailing. I don't love it but I'm accustomed.
To pay taxes or fines to report to the city that a tree branch fell to consult my property tax info or medical records or to get an appointment for minor surgery - it's all easiest or only possible online.
Online means via app on phone generally. Most of us don't carry around anything more expensive than a 150 euro Chinese phone.