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Filtered by Cash Usage — 112 articles

John Winchcombe

4 March 2022

2 min read

The Truth Behind the Cashless Headlines

A recent post highlighted how misleading the constant stream of headlines about a cashless society is. Going cashless makes for wonderfully shocking, attention-grabbing headlines.

Cash Usage

John Winchcombe

22 Feb. 2022

2 min read

Partial Data on Declining Cash Payments in Europe

Finance.ua, a Ukrainian financial media organisation, posted cash usage rates for Europe in 2019 based on Statista data and then compared it with a smaller selection of countries in 2020 and then 2021.

Cash Usage

John Winchcombe

22 Feb. 2022

7 min read

The UK’s Path to Digital Inclusion

A recent webinar organised by Enryo, an independent consultancy, invited four experts to consider digital inclusion. Speakers addressed how to overcome the very real problem of proving identity and what needs to be done to accelerate digital inclusion.

Cash Usage Future of Cash

John Winchcombe

22 Feb. 2022

2 min read

The Truth Behind the Cashless Headlines

A recent post highlighted how misleading the constant stream of headlines about a cashless society is. Going cashless makes for wonderfully shocking, attention-grabbing headlines.

Cash Usage

John Winchcombe

10 Feb. 2022

4 min read

Japan’s Paradox of Banknotes

While cash transactions in Japan have been declining for some time, albeit from a high base, the reduction in opportunities to pay in cash and the increased use of ‘stay at home consumption’ during the pandemic has accelerated this decline. At the same time the ratio of banknotes to GDP has risen very significantly.

Cash Usage Country Profile

John Winchcombe

28 Jan. 2022

4 min read

Shoe Leather Costs of Cash Withdrawals in Canada

The Bank of Canada wanted to understand the impact on cash withdrawals if people had to pay more to access cash. Staff working paper 202128 considers this question.

Cash Usage Country Profile

John Winchcombe

21 Dec. 2021

4 min read

Cost Benefit Analysis of Restricting Cash Usage

A paper by the Einaudi Institute for Economics and Finance (EIEF), ‘Cash: A Blessing or a Curse?’, examines what happened in Mexico when changes to cash availability were made.

Cash Usage Staff Papers

John Winchcombe

19 Nov. 2021

2 min read

Trust in Money, Digital or Physical

Prof Dr Julia Pitter spoke at the recent Bundesbank cash symposium about the relationship between people and cash. According to Dr Pitter, a business psychologist at the Internationale Hochschule in Vienna, cash is more than a payment.

Cash Usage Data Analytics

John Winchcombe

26 Sept. 2021

5 min read

Cashless v Cash: the Hidden Costs to Consumers and Society

Ross MacDiarmid, Executive Director of the Mint Directors Conference (MDC), hosted Professor Pasquale Sgro, Professor Franz Seitz and Guillaume Lepecq to consider the question in the title, under the banner of ‘no such thing as a free lunch’.

Cash Usage Free Free

John Winchcombe

15 Sept. 2021

2 min read

Cash at the Post Office

The Post Office in the UK is playing an increasing important role in providing cash services to communities. It now provides cash services for over 30 banks and building societies as part of a Banking Framework. Customers can withdraw or deposit cash at any of the 11,500 Post Office branches.

Cash Usage

John Winchcombe

26 Aug. 2021

2 min read

Financial Education – Teaching the Value of Money

There have been a number of articles this year about financial products targeting children with the aim of teaching them to save, spend and think about money ready for when they are adults.

Cash Usage Future of Cash

John Winchcombe

24 Aug. 2021

4 min read

ESTA Reports on Own Vision for Cash

As an initial member of the European Retail Payment Board (ERPB) working group, the European Security and Transport Association (ESTA), supported by other organisations, sought to foster debate on a number of issues relevant to ‘obstacles to cash acceptance’, a topic being investigated by the ERPB and about which it had issued a questionnaire.

Cash Usage Future of Cash

John Winchcombe

10 Aug. 2021

3 min read

Digital Payments - and the Last Mile to the Unbanked

The Federal Reserve Board (FRB) of Atlanta has published an article by Oz Shy, ‘Digital Currency, Digital Payments, and the ‘last mile’ to the unbanked.’ As the number of cashless locations increases, the article considers what stops people going digital and looks at policy options in response.

Bank Branch Cards Cash Usage

John Winchcombe

3 Aug. 2021

3 min read

ESTA Offer the ERPB an Alternative Perspective on Cash

The European Retail Payment Board (ERPB) issued a questionnaire about acceptance and access to cash in April 2021. In mid-April the European Secure Transportation Association (ESTA) withdrew from the ERPB working group on the basis that the ERPB’s investigation about cash usage was too narrow.

Cash Usage Future of Cash

John Winchcombe

26 July 2021

7 min read

Modelling Future Cash Transaction Volumes

In September 2020 Reconnaissance Consulting Group was asked to consider what would happen to cash at a future moment where the world economy and society had re-opened living with COVID.

Cash Usage Data Analytics Free Free

John Winchcombe

21 June 2021

6 min read

What Drives Consumer Payment Behaviour?

In 2019 National Westminster Bank (NatWest) commissioned independent academic research to look into the drivers of consumer payment behaviour, including consumer attitudes and intentions towards cash. The research was carried out by Professor Darren Duxbury, Dr Thanos Verousis and by David Marsh. This is a short summary of their work with the full research being published in due course.

Cash Usage Data Analytics Digital Payments

John Winchcombe

1 June 2021

5 min read

News in Brief

In 2020 the number of ATMs fell slightly according to RBR who are about to publish their ‘Global ATM Market and Forecasts to 2026’ report. In fact, 2020 was a mixed year where the long-term growth in ATM installations slowed rather than stopped.

ATMs Cash Usage News

John Winchcombe

27 April 2021

2 min read

Impact of the Pandemic on Cash in Italy

ADAM, which produces cash management software solutions, has written a series of blogs during the pandemic recording what has happened to cash in Italy in the last year. Its latest report updates the series through until December 2020, drawing some initial conclusions.

Cash Usage COVID

John Winchcombe

27 April 2021

3 min read

Cash Usage in Southern Europe: A Time of Change?

Outman Consulting has published a review of cash usage in Southern Europe, focusing on Italy and Spain. It surveyed 2,000 consumers in Italy and Spain in January 2021 to understand the impact on payments of the pandemic. It found that, for purchases under €10, the preference for using cash had declined from 78% to about 48%. Why and will the change stick?

Cash Usage COVID

John Winchcombe

27 April 2021

3 min read

Cash in the Pandemic: European Round Up

The ECB has published a comprehensive report of what has happened to cash in the euro area during the pandemic.

Cash Usage COVID

Latest News

The Truth Behind the Cashless Headlines

Partial Data on Declining Cash Payments in Europe

The UK’s Path to Digital Inclusion

The Truth Behind the Cashless Headlines

Japan’s Paradox of Banknotes

Shoe Leather Costs of Cash Withdrawals in Canada

Cost Benefit Analysis of Restricting Cash Usage

Trust in Money, Digital or Physical

Cashless v Cash: the Hidden Costs to Consumers and Society

Cash at the Post Office

Financial Education – Teaching the Value of Money

ESTA Reports on Own Vision for Cash

Digital Payments - and the Last Mile to the Unbanked

ESTA Offer the ERPB an Alternative Perspective on Cash

Modelling Future Cash Transaction Volumes

What Drives Consumer Payment Behaviour?

News in Brief

Impact of the Pandemic on Cash in Italy

Cash Usage in Southern Europe: A Time of Change?

Cash in the Pandemic: European Round Up

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