Not really. Cash and checkbooks require you pulling out a some form of tender, divvying out the correct amount or writing the amount out, and then handing the tender to the cashier.
Now, using Uber as an example, I request a car, get into the car, and leave the car. You never even need to open the app back up after requesting a car.
How are we back where we started? If I need to send my friend a payment and they are not in the same room with me, I couldn't do it with cash or checkbooks. Now I could send a friend money in about 5 clicks on my phone.
Now, using Uber as an example, I request a car, get into the car, and leave the car. You never even need to open the app back up after requesting a car.