Most people use credit cards and apps to do their payments in the west. Services like PayPal and Apple Pay and so on solve everyday payment issues for everyone.
Apps can solve payments when you pay for an item in a store, and a cloud payment service like Stripe or PayPal makes it easy to do payment when you do your online payments online.
But what about when you need a loan?
There are no finance comparison apps for Android and iPhone that work internationally. So you have to find services online.
Most people use search engines to find and compare credit cards and loans. Note that there are different regulations for each country, so in the US you will find one page that will help you find you a loan with a low rate, but in Norway you must use other services like Laane-penger.com and other search words.
In any case, using the cloud to solve your financial problems is easy.