The two surveys conducted on behalf of PayPal Canada found that:

71% of respondents were comfortable with not using cash to make a purchase
This particular finding represents an increase of 27% over the same survey from 2011
25% of respondents currently go more than a week without using cash
However, 43% of smartphone users don’t trust that their mobile phone applications and hardware will keep their personal details safe and secure, and
80% are concerned about financial privacy and sharing personal or credit card details when making mobile purchases and transactions
As you can see, while there are significant attitudinal shifts in the market’s willingness to embrace and adopt non-cash methods of payments, it is countered by substantial concerns, mainly in the area of security and privacy.

PayPal, the sponsor of the research study, is very positive about the results and believe that a cashless future will be a reality in Canada. According to Darrell MacMullin, managing director, PayPal Canada, “The growth we’re seeing in Canadians’ eagerness to go cashless is significant. In Canada, 2012 marks the year that we’ve moved well beyond the tipping point towards embracing a digital future. Canadians understand that a digital wallet can be a safer and smarter way to pay and get paid.”

As at mid-2012, more than four million Canadians already have PayPal accounts. PayPal has the functionality of paying or receiving money via a bank account or a credit card that can be monitored through a computer, smartphone or another Internet-connected device. Worldwide, there are more than 110 million active accounts in 190 markets.

Answer the following questions:
Which of the broad aspects of the macro-environment are affected by the changes identified above?