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Filtered by Future of Cash — 97 articles

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

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

29 Dec. 2023

4 min read

The Challenges of Digital Payments

Digital payments can feel inevitable, sweeping all before them. A range of recent news items suggest this isn’t true.

Future of Cash

John Winchcombe

28 Nov. 2023

5 min read

Time to Get Real

The Future of Cash conference was one of those rare opportunities to step back and think. A series of experts presented data, research and conclusions from the real world about cash and its role in the payment hierarchy.

Future of Cash

John Winchcombe

28 Nov. 2023

9 min read

Shaping the Future of Cash in an Uncertain World

The Future of Cash conference in Istanbul, which took place 6-8 November, saw some big conversations about cash today and its future. The mood was more upbeat than in recent years as transactional demand for cash has largely rebounded from the lows of the pandemic and the access to cash agenda has gathered pace in countries facing the reality of less cash.

Future of Cash

John Winchcombe

2 Nov. 2023

3 min read

Two Sides of India’s UPI

Mastercard’s CFO, speaking recently at a UBS conference, has raised issues with India’s Unified Payment Interface (UPI) system. Describing it as ‘fantastic at many levels’, he also said it was an ‘incredibly painful experience’ for its ecosystem participants.

Future of Cash Studies, Reports

John Winchcombe

2 Nov. 2023

3 min read

Cash in Sweden: the Reality

Bancomat AB was registered in 1968 in Sweden, and it is the second oldest ATM operator in the world. It was incorporated in 2010 and is owned by Danske bank, Nordea, Handelsbanken, SEB, Swedbank and some savings banks.

Country Profile Future of Cash

John Winchcombe

2 Nov. 2023

5 min read

Creating a Level Playing Field

The International Mint Industry Association (IMIA) has issued a position paper on the European Commission’s (EC) draft regulations on the legal tender of euro banknotes and coins. The paper also refers to the EC’s proposals about a possible digital euro. Although supportive of the initiative, the IMIA highlights a number of concerns.

Future of Cash

John Winchcombe

2 Nov. 2023

3 min read

Do Digital Payments Inevitably Increase Financial Inclusion?

Geldmaat spoke at the ATMIA summit following on directly after the Dutch National Bank. It described how it came into being and the challenges it faces.

ATMs Future of Cash

John Winchcombe

25 Sept. 2023

5 min read

Hoarding By Design

Understanding the difference between banknotes used for transactions and those used for non-transactional purposes is a perennial issue for central banks.

Free Future of Cash Free

John Winchcombe

29 Aug. 2023

7 min read

The Importance of Emotion in Payment Decision Making

A new study published in the Munich Personal RePEc Archive looks at what influences consumers’ decision to use cash when presented with digital alternatives.

Cash Usage Future of Cash

John Winchcombe

29 Aug. 2023

3 min read

FCA to Ensure UK Access to Cash

The Financial Services and Markets Act 2023 is now law in the UK. The Act requires the UK’s Financial Conduct Authority (FCA) to ensure the maintenance of reasonable provision of cash deposit and withdrawal services for personal and business current accounts held at banks.

Future of Cash

John Winchcombe

29 Aug. 2023

2 min read

Cashless Society Supports Friedman’s Theories

An undergraduate study in Nigeria has been published by the Munich Personal RePEc Archive which considers what happens to money, monetary policy and financial assets when cash demand falls.

Future of Cash

John Winchcombe

30 July 2023

2 min read

EC Legal Tender Definitions Fall Short

The European Commission (EC) has published proposals on the legal tender status of cash and a possible future European Central Bank Digital Currency.

Future of Cash

John Winchcombe

30 July 2023

5 min read

Currency Conference Review – an Industry in Change

The Currency Conference took part in Mexico City in May 2023. Two sessions were particularly relevant, an overview of cash today and work to ensure cash is resilient.

Events Future of Cash

John Winchcombe

30 July 2023

4 min read

Cash – a Backstop for Freedom

Let’s talk about Canada’s Prime Minister Justin Trudeau, the Chinese Communist Party (CCP), the UK’s Brexit campaign leader Nigel Farage and cash. Cash, of course, being a key part of the payment system driving economic activity around the world.

Cash Usage Future of Cash

John Winchcombe

30 July 2023

5 min read

Brainstorming Cash Cycle Resilience

At the Currency Conference in May 54 members of the International Association of Currency Affairs (IACA) met to discuss how to build a resilient cash infrastructure, a highly topical subject.

Future of Cash

Paul Blond

25 June 2023

5 min read

Australia’s Payments System Strategic Plan

Following industry wide consultation at the end of 2022, the Australian Federal Government has published its Strategic Plan for the future of Australia’s payments system setting out a number of policy objectives and priorities. The plan outlines the government’s commitment to ensuring that the country’s payments system is safe, affordable, trusted and will remain readily accessible.

Future of Cash Studies, Reports

John Winchcombe

25 June 2023

2 min read

A2A Payments Make Progress

Account-to-account payments (A2A) have been talked about for some time. There is some evidence that they are beginning to fulfil their promise. The latest 2023 Worldpay Global Payments Report from FIS says there are now 64 real-time payment schemes in operation providing high-speed payment rails for A2A payments.

Digital CN Digital Payments Future of Cash

John Winchcombe

11 May 2023

9 min read

Three Views on the Future of Cash

The Silk Road Cash & Payments conference, which took place in Almaty, Kazakhstan at the end of March, included a session looking at the future of cash, with presentations from the Bank of Israel, the Bundesbank and European Savings and Retail Banking Group.

Events Future of Cash

Latest News

Cash Is More Than a Public Good

Squaring the Circle

The Challenges of Digital Payments

Time to Get Real

Shaping the Future of Cash in an Uncertain World

Two Sides of India’s UPI

Cash in Sweden: the Reality

Creating a Level Playing Field

Do Digital Payments Inevitably Increase Financial Inclusion?

Hoarding By Design

The Importance of Emotion in Payment Decision Making

FCA to Ensure UK Access to Cash

Cashless Society Supports Friedman’s Theories

EC Legal Tender Definitions Fall Short

Currency Conference Review – an Industry in Change

Cash – a Backstop for Freedom

Brainstorming Cash Cycle Resilience

Australia’s Payments System Strategic Plan

A2A Payments Make Progress

Three Views on the Future of Cash

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