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John Winchcombe

21 Dec. 2022

5 min read

The Impact of a Move to Mobile Payments

Does paying with mobile digital payments increase consumers’ marginal propensity to consume? If there is to be an increase in the use of mobile payments this has implications for consumers, merchants and governments. A paper from Claremont Graduate University sets out to answer this.

Digital Payments

John Winchcombe

21 Dec. 2022

5 min read

News in Brief

The EU is introducing a new maximum limit of €10,000 on cash payments as part of a programme to stop money laundering. Individual countries are free to set their own lower limit.

News

John Winchcombe

21 Dec. 2022

3 min read

Sustainability Thoughts from the Payment Industry

A recent article on the Raconteur website looked at what the payment industry is doing on decarbonisation. It is worth having a look at what others are doing, particularly since cash is sometimes looked at in the frame of payments generally.

Sustainability

John Winchcombe

21 Dec. 2022

5 min read

Reflections on Cash

An article by Tristan Dissaux - ‘The Social Role of Money in an Age of Digitalisation' - pulls together much of the debate and thinking around the payment tension created by digitisation. As we end 2022, it is a good time to reflect on this.

Cash Usage Future of Cash

John Winchcombe

21 Dec. 2022

5 min read

Payment News

The settlement of a class action lawsuit against Visa and Mastercard in Canada has allowed retailers to pass on credit card fees to their customers.

News

John Winchcombe

6 Dec. 2022

3 min read

Cash Use in Europe

Italy’s new government intends to scrap the requirement to accept electronic settlements for purchases below €30 and to raise it to €60, according to a draft of its 2023 budget recently approved by the cabinet.

Cash Usage

John Winchcombe

6 Dec. 2022

6 min read

Tackling the Cash Management Challenge

One of the sessions at the Cash & Payments Sustainability Forum™ addressed today’s cash management challenges, and featured presentations by Loomis, FedCash® Services, G+D and Koenig and Bauer Banknote Solutions.

Cash Management Events

John Winchcombe

6 Dec. 2022

10 min read

Sustainability Takes Centre Stage

If you were not in Edinburgh for the Cash & Payments Sustainability Forum™ you missed something special, the first ever event dedicated to sustainability for this industry.

Events Free Sustainability Free

John Winchcombe

6 Dec. 2022

2 min read

Study Launched to Research Payment GHG Emissions

The Mint Directors’ Working Group (MDWG) spoke at the Coin Conference about new research commissioned into the environmental impact of cash compared with digital payments.

Data Analytics Sustainability

John Winchcombe

6 Dec. 2022

3 min read

Koenig & Bauer Banknote Solutions on Cash Innovation & Sustainability

A newly issued Cash Innovation whitepaper by Koenig & Bauer Banknote Solutions takes a deeper look at why change and innovation are actually required in the way cash is organised and managed in society, while defining the problems that need to be fixed and how to fix them.

Cash in Circulation Staff Papers

John Winchcombe

6 Dec. 2022

5 min read

Payment News

Just as open banking is allowing OneBanx to offer shared bank branches, a UK start-up is using it to offer merchants and alternative to Visa and Mastercard’s debit card payments. Atoa Payments has raised $2.2 million in a pre-seed funding round.

News

John Winchcombe

6 Dec. 2022

5 min read

G+D’s Journey to CBDCs

Tanja Heßdörfer was interviewed at the CBDC conference in August for this article. Tanja is Head of Sales and Business Development, Central Bank Digital Currency (CBDC)s, at Giesecke+Devrient (G+D).

CBDC

John Winchcombe

6 Dec. 2022

5 min read

News in Brief

Deutsche Bank research analyst Marion Laboure has written a paper, ‘Future Payments: Towards the End of Cash?’ following on from her 2020 piece on the same subject.

News

John Winchcombe

6 Dec. 2022

5 min read

CBDC Round Up

The Reserve Bank of Australia (RBA) and the Digital Financial Cooperative Research Centre (DFCRC) have issued a white paper on CBDCs.

CBDC Digital CN

John Winchcombe

6 Dec. 2022

3 min read

Profitability of Payments in the Netherlands

The Dutch Payments Association has issued a report, ‘Study into the Costs and Revenues of Payment Services for Financial Institutions 2021’.

Country Profile

John Winchcombe

6 Dec. 2022

5 min read

Understanding Cash as a Store of Value

Given how much cash is issued but held as a store of value, a paper entitled ‘Cash Money as a Saving Mode’ from Tampere University in Finland is useful and interesting.

Cash Usage Staff Papers

John Winchcombe

4 Nov. 2022

5 min read

Payment News

Just as the Federal Reserve is introducing new guidelines on card routing to increase competition, a campaign has started in the UK to get card fees reduced.

News

John Winchcombe

4 Nov. 2022

4 min read

How Profitable are Credit Cards?

In 2019, 75% of US households had at least one general purpose credit card. Revolving consumer credit at the end of 2021 was over $1 trillion.

Cards

John Winchcombe

4 Nov. 2022

5 min read

News in Brief

The European Central Bank (ECB) has carried out a survey of cash use by businesses in the euro area. The survey was based on over 10,000 interviews and the analysis concentrated on businesses with the most interaction with consumers.

News

John Winchcombe

4 Nov. 2022

5 min read

The Challenge of Greenwashing

Danmarks Nationalbank has issued a paper ‘Corporate CO2 communication is Not Associated with Fewer Emissions’. In the paper, annual reports of 141 large European companies were analysed to compare their communications about CO2 equivalent emissions with past, present and future developments in emissions.

Free Sustainability Free

Latest News

The Impact of a Move to Mobile Payments

News in Brief

Sustainability Thoughts from the Payment Industry

Reflections on Cash

Payment News

Cash Use in Europe

Tackling the Cash Management Challenge

Sustainability Takes Centre Stage

Study Launched to Research Payment GHG Emissions

Koenig & Bauer Banknote Solutions on Cash Innovation & Sustainability

Payment News

G+D’s Journey to CBDCs

News in Brief

CBDC Round Up

Profitability of Payments in the Netherlands

Understanding Cash as a Store of Value

Payment News

How Profitable are Credit Cards?

News in Brief

The Challenge of Greenwashing

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