In Poland I feel that most people use cashless payments nowdays. It may be also true that I live in a city in western parts. I think that the eastern part might rely more on cash.

Sometimes I struggle to pay with cash, if I have to. Cashiers cannot return change, or seem to be disgusted if they have to.

ATMs are getting less attractive. Are in less places, are old. I feel like everything goes to phone/NFC. I have a problem with that. I prefer card & ATM solution.