How are Apps changing the web? What will digital currency be used for in the future?

Even before the popularity of Bitcoin, our American currency, in my opinion was already digital for the most part. Debit cards, and credit cards now operate digitally. In the United States currency is digital, based on my experience most money is not cash available at hand it is monitored and managed digitally by mobile apps such as chase mobile app, Google wallet, Digit Co and many more apps. The most important and expensive purchases and investments people makes are not cash purchases they are based on credit, which is monitored digitally by a bank or lender. Cars and houses are an example of an expensive purchase where cash is most times not used, instead currency is exchanged digitally by means of credit or debit accounts. I can see an easy transition to a fully digital currency system very soon.
Apps are taking over our mobile devices the numbers on the graph in Forbes article and show that 14% of connected devices and 86% are being used for apps. I personally prefer apps to my mobile web browser because my app is gong to run smoothly were my browser. I use mobile apps for social media, banking, and monitoring my credit. Apps and digital currency will operate as one unit in the near future.