I have every sympathy with those who aren't familiar with technology. I worked all my life with technology so am not scared of it and thought I was pretty well up with it, but it changes so often that nowadays I am getting behind. My DH has done our grocery shopping for some years, so it was only fairly recently that I needed to pay for something in a shop using "chip and pin". I told the cashier that I'd never done it before and she kindly showed me how to do it. Of course next time I had to do it I used a different card and the symbol was in a different place! But now I have the confidence to do it again.
I'm very active in our local u3a and believe me, many of the members don't have credit cards, don't use online banking, don't have smartphones and have never bought goods online.
I've yet to try using apps on my phone, though. Next job!