I have apple pay and find it extremely convenient to use. So I would say that going cashless definitely encourages me to spend money faster. Gone are the days of spending within my ‘limits’ aka the amount of cash I have in my wallet. However, for a while I had to control my spending by exclusively using cash and I did find a noticeable difference on my weekly expenditure. I went from an average of about spending $300 a week on both apple pay and cash, to about $250 a week on cash.