It’s 7am on a Friday morning. David, a twenty-something Londoner hears his alarm go off. The first thing he does is reach for his phone to check all of his notifications: another DJ Khaled Story on Snapchat -#KeysToSuccess; 26 new followers after that Kygo clip was re-posted by @Kygomusic last night, – awesome; 11 Tinder matches? Good swiping game. Then, as he prepares for work, he opens Citymapper to see what time the bus arrives. Six minutes to grab breakfast?! With Apple Pay enabled that’s no bother as he’ll be less than a minute at Pret.