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Filtered by Cash Usage — 112 articles

Matt Sykes PhD and Scott Forster

2 July 2026

6 min read

More Cash, Less Speed: Reading the Signals on Cash Health in Asia

Currency in circulation (CIC) is often the first data point that is referred to when considering where cash is going and the health of cash systems. And on this measure, there are positive signs across many Asian markets. In an initial sample of eight economies, CIC grew between 45% and 349% over the period 2016 to 2024. In these markets, all have seen CIC grow in every year except Malaysia (0.2% decline in 2022, otherwise growth) and Australia (1.6% decline in 2023, current CIC is at an all-time high).

Cash in Circulation Cash Usage

John Winchcombe

2 July 2026

7 min read

Danes Value Cash But Pay Digitally

Danmarks Nationalbank has published a paper about cash use in Denmark. The paper draws on the results of the latest survey of citizens’ payment habits, which took place in the autumn of 2025 – the latest in a series that started in 2017.

Cash Usage Free Future of Cash Free

John Winchcombe

28 May 2026

4 min read

Push Back Against the Mantra of Inevitable Cash Decline

Currency Research has published a report on the findings of a survey of 37 central banks across six continents to examine global cash usage trends and the longterm role of physical currency. The report was initiated because the experiences of mature economies are shaping the cash narrative when, in fact, the rest of the world is seeing a very different situation.

Cash Usage Studies, Reports

John Winchcombe

28 May 2026

3 min read

The Importance of Financial Literacy in Determining Cash Use

In conjunction with the UK’s National Westminster bank, Prof Darren Duxbury, behavioural finance expert and Chair in Finance at Newcastle University Business School, has carried out a research project investigating the behavioural traits that influence peoples’ choices of payment method.

Cash Usage

John Winchcombe

27 March 2026

2 min read

Travelling? Take Cash

On its 50th anniversary, the foreign exchange company Travelex has published its first Travel Money Insights Report. The good news is the headline that 69% of travellers still choose cash.

Cash Usage

John Winchcombe

25 Nov. 2025

4 min read

Poland’s Playbook for Unthinkable Times

Barbara Jaroszek, Director, Cash and Issue Department at Narodowy Bank Polski (NBP), spoke about ‘Poland’s Paybook for Unthinkable Times’ at the Future of Cash conference in Warsaw on 4 November.

Cash Usage

John Winchcombe

24 Sept. 2025

2 min read

UK Cash Down But Not Out

A survey by UK ATM network LINK found that people under 45 in the UK tend to prefer a digital wallet, while people who are older use physical debit cards. Fewer than half of UK adults carry a physical wallet. Despite that, in 2024 about £1,250 in cash per adult was withdrawn from ATMs and 51% of people said they had used cash in the previous week.

Cash Usage

John Winchcombe

24 Sept. 2025

2 min read

The Psychology Behind Money Hoarding

The ‘Cash Paradox’ is the well known conundrum of cash transaction volumes falling while cash in circulation volumes increase. This gap can only be explained by cash hoarding. Much of this will be by commercial banks, hence the surge in cash returned to the European Central Bank once its interest rate turned from negative to positive.

Cash Usage

Guillaume Lepecq

24 Aug. 2025

6 min read

Euro Area: the Surprising Use of Cash by Young Adults

Despite predictions of a cashless society, cash remains vital across all age groups. New ECB research reveals older adults prefer cash for transactions, but young adults pay with cash at roughly the average rate and keep cash reserves. The perceived importance of cash is rising for all!

Cash Usage

John Winchcombe

30 June 2025

5 min read

News in Brief

May’s edition of Cash & Payment News™ reported on a recent Bank of Canada staff paper updating a previous study on access to cash in Canada. Hot on its heels is a new paper that moves the topic forward.

Cash Usage News

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John Winchcombe

28 April 2025

5 min read

Payment News

A Centre for Economic Policy Research paper has focused on the need for central banks to be financially resilient.

Cards Cash Usage News

John Winchcombe

28 April 2025

3 min read

Argentinians Buy Dollars in Chile

In early January of this year, an article in Chile’s primary newspaper almost proudly touted the fact that Chile’s CLP had reached a new status in Argentina (the CLP is the name of the exchange rate used by anyone in Chile who needs to buy US dollars unofficially). Suddenly, the Chilean peso had achieved sufficient stature to be exchanged informally at multiples of ARS 1.03 to 1.21 for each CLP 1.

Cash Usage

John Winchcombe

26 March 2025

5 min read

Costs of Cash and Card Payments from a Consumer Perspective

This is the title of a recently published study that is the third and final module in a series of studies in Germany looking at the ‘Costs and Benefits of Cash and Cashless Payment Instruments’.

Cash Usage Future of Cash

John Winchcombe

26 March 2025

3 min read

Chief Cashier as a Part-Time Job?

Stefan Hardt, Chief Cashier of the Bundesbank, posed this question at the recent Intergraf Currency+Identity conference in Milan. Ironically, this comes just as the Bank of England appoints Victoria Cleland to have a combined role of being Executive Director for Payments and Chief Cashier. Sarah John, the current Chief Cashier, is moving to be the Bank’s Chief Operating Officer.

Cash Usage Free Free

John Winchcombe

26 March 2025

2 min read

The Role of Small Payments and Cash

An article in the BBN Times has explored the future of digital payments, particularly where users convert digital transactions into real cash, which they refer to as small payment cashing, and what users can expect in the coming years.

Cash Usage

John Winchcombe

28 Feb. 2025

5 min read

Understanding the Unbanked

Every country has the ‘unbanked’, those without access to the financial system. A paper at the end of last year from the Federal Reserve Bank of Philadelphia explored the situation in the US by looking at the biennial Federal Deposit Insurance Corporation (FDIC) National Survey of Unbanked and Underbanked between 2015 and 2019. The paper aimed to understand those who are unbanked and how these relationships evolved.

Cash Usage

John Winchcombe

28 Jan. 2025

5 min read

Asia’s Currency Trends

As the global payments landscape evolves, Asia’s currency trends offer invaluable insights into the future of cash and digital payments. This analysis by De La Rue’s Richard Sokl, who also spoke about this at the HSP Asia conference, considers the dynamics of cash’s enduring role, the challenges posed by the digital divide, and how currency strategies are adapting to meet diverse needs.

Cash Usage

John Winchcombe

28 Jan. 2025

2 min read

Pain of Paying Moves to Digital Payments

Research has found that paying with cash is associated with pain and that people tend to spend less using cash rather than a payment card.

Cash Usage

John Winchcombe

28 Jan. 2025

6 min read

Cash Usage Holding Up in the Eurosystem

The headlines in the European Central Bank’s (ECB) 2024 study on the payment attitudes of consumers in the euro area (SPACE) paint an interesting picture for cash payments, both alone and relative to other payment instruments.

Cash Usage

John Winchcombe

28 Jan. 2025

1 min read

Advantages of Automated Retail Cash Systems

While consumer payments are changing, cash continues to flourish. However, there is a need to address some of inefficiencies in cash handling if cash is to thrive.

Cash Usage

Latest News

More Cash, Less Speed: Reading the Signals on Cash Health in Asia

Danes Value Cash But Pay Digitally

Push Back Against the Mantra of Inevitable Cash Decline

The Importance of Financial Literacy in Determining Cash Use

Travelling? Take Cash

Poland’s Playbook for Unthinkable Times

UK Cash Down But Not Out

The Psychology Behind Money Hoarding

Euro Area: the Surprising Use of Cash by Young Adults

News in Brief

Payment News

Argentinians Buy Dollars in Chile

Costs of Cash and Card Payments from a Consumer Perspective

Chief Cashier as a Part-Time Job?

The Role of Small Payments and Cash

Understanding the Unbanked

Asia’s Currency Trends

Pain of Paying Moves to Digital Payments

Cash Usage Holding Up in the Eurosystem

Advantages of Automated Retail Cash Systems

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