Last time I was in China was late 2019, mostly had to have my local friend pay everything as few places took cash… (actually in Jan 2020 as well for 1 day but quickly turned around and left as lockdowns started to happen)
That is happening more often here (Singapore), most places still take cash but I do run into some businesses that won’t accept cash and often credit cards. So direct bank payment through a banking app. I think ATM will go become a thing of the past like Cell phones as countries go more cashless. Still a while but the trend.
I haven’t had a landline in 20 years and don’t think I know anyone with one now over here unless part of a bundle internet service, so it isn’t POTS.