News | Cash & Payment News

John Winchcombe

27 March 2026

4 min read

Time for New ATM Business Models

Guillaume Lepecq, Chair of Cash Essentials, and Matt Sykes, from the CPT Group, have written a paper about the business model of Automated Teller Machines (ATMs). Their conclusion? Circumstances have changed, and ATM business models need rethinking.

Access to Cash

John Winchcombe

27 March 2026

5 min read

CBDC News

The US Senate has voted 89 to 10 to ban the Federal Reserve from issuing CBDCs until after 2030 as part of a bipartisan housing bill. The bill now moves to the House of Representatives.

CBDC

John Winchcombe

27 March 2026

4 min read

Shining a Light on Payments Fraud

Jeremy Light has published a useful summary of UK payments fraud. While every country will be different, it is interesting to see what criminals are doing and the payment risk involved.

Crime

John Winchcombe

27 March 2026

5 min read

News in Brief

73.4% of voters endorsed a government proposal to guarantee the right to use cash, require the Swiss National Bank to maintain adequate supplies of notes and coins, and stipulate a nationwide vote to replace the Swiss franc with another currency.

News

John Winchcombe

27 March 2026

4 min read

When More May be Less

In 2023 in Canada digital payments accounted for 87% of total payment volume. Their uptake is only likely to rise as new ways of payment are invented. On top of open banking, faster payments, variable recurring payments, digital tokens, blockchain-based infrastructure etc. we can already see use cases build around programmability, possibly machine-to-machine payments driven by Artificial Intelligence (AI) and more.

Digital Payments

Dr Wolfram Seidemann

27 March 2026

4 min read

Shaping the Future of Public Money

Technological innovation is advancing at a pace that is transforming how societies pay, transact, and interact. Changes that once unfolded over decades now occur within years, fundamentally redefining the role and nature of money. As reflected in our new white paper ‘Currency Fast Forward – Future Developments of the Currency Cycle’ (click here), one insight stands above all: the future of money will not be determined by a choice between physical and digital forms, but by their ability to coexist and reinforce one another. Across all regions, whether they rely heavily on cash, have advanced digital payment systems, or face the cash paradox of declining usage yet rising circulation, public money remains essential. It continues to serve as an anchor of trust, inclusion, and resilience.

Free Future of Cash Free

John Winchcombe

6 March 2026

5 min read

The Power of Wallets, Open Banking, Real Time Payments and QR Codes

Here we look at two revolutions going on in payments. The first, QR codes, is well underway. The second, Variable Recurring Payments, is getting going. Both build on the modern payment infrastructure of open banking, real time payments and wallets.

Digital Payments

John Winchcombe

27 Feb. 2026

4 min read

The Future of Cash in Japan

A paper titled ‘Cash Demand and Demographic Changes in Japan’ by Hiroshi Fujiki of Chuo University, published recently by the Hitotsubashi Institute for Advanced Study, considers the impact of Japan’s rapidly ageing population and the increase of digital payments.

Future of Cash

John Winchcombe

27 Feb. 2026

3 min read

Cash and Crime in New Zealand

Perhaps it should be no surprise that the chairman of New Zealand’s (NZ) Ministerial Advisory Group on Transnational, Serious & Organised Crime should say on a podcast that ‘Cash is the primary currency of organised crime. And so a huge amount of our cash right now, as we sit here, is in the hands of organised crime’.

Future of Cash

John Winchcombe

27 Feb. 2026

4 min read

How to Influence Payment Choices

A new paper from the Federal Reserve Bank of Atlanta seeks to understand whether, how and to what extent merchants in the US influence consumers’ payment choices1. Using the 2024 Survey and Diary of Consumer Payment Choice, which recorded stated preferred payment methods and then actual choices at the point-of-sale (POS), the authors analysed why consumers sometimes deviate from their preferred option.

Free Future of Cash Free

John Winchcombe

27 Feb. 2026

3 min read

French Cash Cycle Trends

Last year the Banque de France (BdF) published a report on cash usage in France.

Cash Management

Guillaume Lepecq

27 Feb. 2026

7 min read

UK Banks Plan to Set Up a Domestic Card Scheme

UK banks have announced plans to create a domestic alternative to Visa and Mastercard, aiming to reduce dependence on US payment networks and enhance financial resilience. This initiative is part of a broader global trend toward monetary sovereignty, accelerated by the election of Donald Trump and geopolitical tensions. The future of payments is expected to be hybrid, with cash playing a crucial role alongside digital innovations.

Digital Payments

John Winchcombe

27 Feb. 2026

3 min read

Where to Start Measuring Carbon Emissions

MyCarbon, a climate consultancy that has previously presented at Cash Sustainability Forums, has developed a structured, online training programme in carbon accounting. The course teaches methodologies fully aligned with the leading international frameworks, including the GHG Protocol, ISO 14064 (Parts 1–3), ISO 14067 (product carbon footprints), ISO 14068 (carbon neutrality), and relevant net-zero guidance, thus enabling organisations to measure and manage their carbon emissions with confidence and credibility.

Sustainability

John Winchcombe

27 Feb. 2026

5 min read

Payment News

The banking sector has been quick to highlight downsides in President Donald Trump’s suggestion of a one-year 10% cap on credit card interest rates in the US.

Payments

John Winchcombe

27 Feb. 2026

5 min read

CBDC News

The European Union Parliament has approved the digital euro initiative, reaching agreement with the European Council on creating a currency that will function both online and offline.

CBDC

John Winchcombe

27 Feb. 2026

5 min read

News in Brief

In Germany, consumers can pay in unlimited amounts of cash. Only for sums over €10,000 do buyers have to prove their identity and prove the origin of the money.

News

John Winchcombe

27 Feb. 2026

2 min read

Rethinking Central Bank Money

A two part IMF blog by Biagio Bossone and Massimo Costa seeks to reframe how central bank money, banknotes, reserves, and CBDCs are regarded, moving them from being seen as a debt to equity for the issuer and as custodial assets for the holders.

CBDC

John Winchcombe

27 Feb. 2026

2 min read

Celebrating 10 Years of the Central Bank Payments Conference 2026

The 10th edition of Currency Research’s (CR) Central Bank Payments Conference is coming to Istanbul, Türkiye, 23–25 March 2026. Designed as a forum for senior-level authorities, the conference brings the global payments community together for three days of policy-level exchange.

Events

John Winchcombe

27 Feb. 2026

2 min read

Measuring Climate Change

There is that saying, ‘you do what you measure’ and SMART (Specific, Measurable, Achievable, Realistic, Time-bound) objectives are part of all our lives. Measurement matters.

Sustainability

John Winchcombe

20 Jan. 2026

7 min read

Big Themes for 2026

The Danish physicist, Niel Bohrs, said, ‘prediction is very difficult, particularly if it’s about the future’. Few would argue with him, however, here we go… What will be the big themes in 2026 when it comes to cash and payments? Herewith an eclectic mix of suggestions.

Future of Cash

Latest News

Time for New ATM Business Models

CBDC News

Shining a Light on Payments Fraud

News in Brief

When More May be Less

Shaping the Future of Public Money

The Power of Wallets, Open Banking, Real Time Payments and QR Codes

The Future of Cash in Japan

Cash and Crime in New Zealand

How to Influence Payment Choices

French Cash Cycle Trends

UK Banks Plan to Set Up a Domestic Card Scheme

Where to Start Measuring Carbon Emissions

Payment News

CBDC News

News in Brief

Rethinking Central Bank Money

Celebrating 10 Years of the Central Bank Payments Conference 2026

Measuring Climate Change

Big Themes for 2026

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