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John Winchcombe

18 April 2024

4 min read

The New Cash Paradox

The end of the ‘cash era’, announced by The Economist 15 years ago, has not arrived. On the contrary, in a contactless but crisis-ridden world, cash is leaving wallets and taking refuge in mattresses. This article from Marc Schwartz, Chairman and CEO of Monnaie de Paris, was first published by Cash Essentials.

Cash Usage Future of Cash

John Winchcombe

18 April 2024

5 min read

CBDC News

Sweden’s Riksbank has issued its latest CBDC phase review. This fourth phase built on a previous phase that trialled offline token-based payments to explore an offline e-Krona based on account balances.

CBDC

John Winchcombe

18 April 2024

5 min read

Options for Expanding an ATM Network

This is an abridged version of an NCR Atleos article written about ATM network options that financial institutions (FIs) have if they don’t have the reach of the largest institutions. It explores the pros and cons of either joining a shared network or signing up with an independent ATM network.

ATMs

John Winchcombe

18 April 2024

3 min read

Consumer Complexity and Digital Payments

The authors of a new European Central Bank (ECB) working paper have used data from the ECB’s Consumer Expectations Surveys (CES) to study cashless payments in everyday situations and the use of mobile banking apps in the euro area.

Digital Payments

John Winchcombe

26 March 2024

2 min read

Starting the Debate on a Digital Euro

The European Central Bank has started to make the case for a digital euro. The central bank's Programme Director Digital Euro recently noted that a digital euro, while complementing cash, would strengthen Europe’s strategic sovereignty by reducing dependence on non-European payment providers and offer another form of trusted and secure transactions for people in Europe.

Digital CN

John Winchcombe

26 March 2024

6 min read

Nexus Between Payments Digitisation and Cash Usage in the Philippines

Innovation in contactless payment technology, the COVID-19 pandemic, increased e-commerce, and enhanced transparency, security, and convenience have transformed the retail payment markets in the last few years.

Cash Usage Future of Cash

John Winchcombe

26 March 2024

5 min read

News in Brief

The Federal Reserve has published its 2023 findings on consumer payment behaviour. Confusingly, this is based on the 2022 survey.

News

John Winchcombe

26 March 2024

6 min read

Federal Reserve Confident in the International Role of the Dollar

The Federal Reserve has published a paper on what happens to international payments and the role of the dollar should a US Central Bank Digital Currency (CBDC) be issued.

CBDC Country Profile

John Winchcombe

26 March 2024

4 min read

Cash Is More Than a Public Good

A new CashEssentials paper addresses the questions ‘Is cash a public good?’ and ‘Is it a basic right?’ with the aim of clarifying the debate and advancing policy recommendations.

Free Future of Cash Free

John Winchcombe

26 March 2024

3 min read

What Does Introducing CBDCs Imply for the Stability of Central Banks?

The ability of private citizens to execute electronic transactions using a Central Bank Digital Currency (CBDC), central bank money, introduces new monetary stability challenges. A paper by Harald Uhlig from the University of Chicago considers this. The paper is highly theoretical but raises the sort of questions central banks have to get right in their planning for a CBDC.

CBDC Central Banks

John Winchcombe

26 March 2024

3 min read

Impact of Mobile Money in a Remittance Society

A study of the use of mobile money in Bangladesh gives a new perspective on how it differs from other payment methods.

Digital Payments

John Winchcombe

26 March 2024

2 min read

New Cash Recycling and Recirculation White Paper and Workshop

The first afternoon of the second Cash Sustainability Forum (CSF), which takes place in Frankfurt from 24-26 June this year, will be a workshop dedicated to the recycling and recirculation of cash. It will build on a white paper currently being researched and prepared, and for which input is still very welcome.

Events

John Winchcombe

26 March 2024

4 min read

Payment News

The second payment methods survey of companies in Switzerland took place in Spring 2023, with 1,750 companies taking part.

News

John Winchcombe

26 March 2024

2 min read

EQUINOX 2024 – Central Bank Discovery Days

Koenig & Bauer Banknote Solutions (KBBNS) will host a dedicated event to bring the international central bank community together around the future role cash will play in society.

Events

John Winchcombe

26 March 2024

5 min read

CBDC News

The Dutch National Bank (DNB) has published a working paper detailing research on a transition from an economy without a CBDC to one with it.

CBDC

John Winchcombe

26 March 2024

5 min read

Cash Visibility and Collaboration

This year, the International Association of Currency Affairs (IACA) is concentrating on cash visibility and collaboration.

Cash Management

John Winchcombe

25 Feb. 2024

1 min read

Click to Pay in Czech Republic

In a push to advance cashless transactions, four Czech banks are rolling out a novel solution that lets merchants skip traditional terminals while eliminating the need for customers to pay in cash.

Digital Payments

John Winchcombe

25 Feb. 2024

6 min read

Calculating Cash Use in Australia

The Reserve Bank of Australia has published an article in its Bulletin about cash usage. The article starts by explaining that transactional demand is hard to calculate and then goes on to use four different methods to establish a range of estimates.

Cash Usage

John Winchcombe

20 Feb. 2024

5 min read

Squaring the Circle

Why would JPMorgan Chase spend billions of dollars expanding its branch network while in the UK every retail bank is closing bank branches? Why would the Bank of Ireland invest heavily in new ATMs and refurbished branches while the UK looks at hubs and pods to serve their customers?

Future of Cash

John Winchcombe

20 Feb. 2024

5 min read

The Role of Technology in Changing Payment Landscapes

This article provides summary of how payments are changing as technology changes and is adopted. Also, an update on AI ‘watermarking’.

Digital Payments

Latest News

The New Cash Paradox

CBDC News

Options for Expanding an ATM Network

Consumer Complexity and Digital Payments

Starting the Debate on a Digital Euro

Nexus Between Payments Digitisation and Cash Usage in the Philippines

News in Brief

Federal Reserve Confident in the International Role of the Dollar

Cash Is More Than a Public Good

What Does Introducing CBDCs Imply for the Stability of Central Banks?

Impact of Mobile Money in a Remittance Society

New Cash Recycling and Recirculation White Paper and Workshop

Payment News

EQUINOX 2024 – Central Bank Discovery Days

CBDC News

Cash Visibility and Collaboration

Click to Pay in Czech Republic

Calculating Cash Use in Australia

Squaring the Circle

The Role of Technology in Changing Payment Landscapes

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