in a softly lit setting, a person in a sweater holds a smartphone and a credit card, focused on the device, creating a sense of

smartphone credit card indoor evening person sweater casual technology communication financial transaction electronic payment handheld device illumination focus modern life convenience shopping interaction browsing lifestyle consumer behavior connectivity leisure urban environment autumn clothing contemporary home security mobile banking social media multitasking waiting digital experience warmth interest exploration habits commerce user softly lit setting holds focused creating sense anticipation