With them, you browse an online store that uses big-data and state-of-the-art algorithms to focus what you see on what you’re most likely to buy. After all, your credit card is probably already saved to the phone’s memory. Run a search and the first few hits are paid ads, and making a purchase is probably two touches away. Do you find yourself wondering where all the money goes? In the world today, spending money is as easy as opening your browser (yes, the one on your phone… that’s always with you).