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Filtered by Studies, Reports — 19 articles

John Winchcombe

28 May 2026

4 min read

Push Back Against the Mantra of Inevitable Cash Decline

Currency Research has published a report on the findings of a survey of 37 central banks across six continents to examine global cash usage trends and the longterm role of physical currency. The report was initiated because the experiences of mature economies are shaping the cash narrative when, in fact, the rest of the world is seeing a very different situation.

Cash Usage Studies, Reports

John Winchcombe

28 April 2025

4 min read

Establishing the Limits of Decentralised Money

In monetary exchange, holding money is evidence of past transactions of goods sold or services rendered. In effect, money can be seen as a record-keeping device. A monetary system needs a record of who has what and where it has moved.

Digital CN Studies, Reports

Guillaume Lepecq

28 April 2025

5 min read

OECD Highlights Need to Balance Digital Payments and Access to Cash

A new OECD paper highlights the importance of balancing digital innovation with the enduring need for cash. By adopting comprehensive policies and initiatives, governments can ensure that all segments of society have access to reliable and secure payment methods, fostering financial inclusion and stability in the digital age.

Future of Cash Studies, Reports

John Winchcombe

28 April 2025

2 min read

Updates on a Digital Pound

The Bank of England (BOE) is in the design phase of work on a digital pound (DP). As part of this phase, it is conducting experiments and proofs of concept in collaboration with private- sector innovators and a range of stakeholders.

CBDC Studies, Reports

John Winchcombe

26 March 2025

2 min read

Criminals Ahead of the Authorities on Payment Fraud

Veriff, the AI-driven identity verification company, has issued two payment fraud reports which show that fraud affects almost one in 20 (5%) transactions. The Federal Trade Commission’s (FTC) annual fraud report found fraud has exploded in the last two decades.

Studies, Reports

John Winchcombe

24 Oct. 2024

4 min read

Mobile Payments Remain Muted in Canada

A staff working paper by the Bank of Canada seeks to understand what would be possible if Canadians made more mobile payments.

Studies, Reports

John Winchcombe

14 Oct. 2024

3 min read

The Constant Need to Innovate

Two articles about innovation. One about types of company that innovate. The second asking us to think radically about how to leverage coming technology.

Studies, Reports

John Winchcombe

20 Feb. 2024

8 min read

Designing for Financial Inclusion

A Bank of Canada staff paper gives useful insight into financial exclusion. It does this in the context of Central Bank Digital Currencies (CBDC), but the findings have broad relevance to payments generally.

Studies, Reports

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

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

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John Winchcombe

11 June 2023

5 min read

Understanding the Impact of Retail CBDCs on Banking

In the last few years, the number of papers written about CDDCs has exploded as the world’s central banks rush to think about and investigate them. The Bank of Canada has carried out a literature review focusing in particular on the potential impact of introducing a CBDC on private banks, which it has published as a staff discussion paper.

CBDC Studies, Reports

John Winchcombe

11 May 2023

5 min read

Cash Recovering and Holding On, Says BIS

The Bank for International Settlements Committee on Payments and Market Infrastructure consists of 14 Advanced Economy and 13 Emerging Market Economy countries. It collects extensive data on their cash and electronic payments and uses these to draw conclusions about payment trends.

Cash in Circulation Cash Usage Studies, Reports

John Winchcombe

26 March 2023

5 min read

IMF Concludes Cash Usage Falling Globally

While data about digital payments is usually good, measuring cash is problematic. Understanding cash usage is important for regulatory authorities. IMF Working Paper WP/23/62 explores the measurement of cash based on ATM cash withdrawals value as an alternative to the traditional cash in circulation as a proportion of GDP method.

Cash Usage Free Studies, Reports Free

John Winchcombe

23 Feb. 2023

6 min read

From Merchant to Consumer: a Payment Overview

The Bank of Canada (BOC) has published two survey reports in the last few months. The first was the Methods of Payment survey 2021 and the second the Merchant Acceptance Survey Pilot Study.

Cash Usage Digital Payments Retail

John Winchcombe

23 Feb. 2023

4 min read

Does France Love Cash?

The International Mint Industry Association (IMIA) issued a brief making the case for cash and for freedom of choice at its launch this month.

Country Profile Studies, Reports

John Winchcombe

23 Feb. 2023

6 min read

‘Hard Law’ Needed to Safeguard Euro Cash

The International Mint Industry Association has published a position paper (2023/01) urging the European Commission to give legal certainty on the implications of the legal tender status of euro banknotes and coins in terms of mandatory acceptance and to enshrine it in secondary law.

Future of Cash Studies, Reports

John Winchcombe

31 Jan. 2023

8 min read

European Cash Fundamentals on the Move

The European Central Bank (ECB) has reported on its Study on the Payment Attitudes of Consumers in the Euro Area (SPACE) 2022.

Cash Usage Studies, Reports

John Winchcombe

31 Jan. 2023

3 min read

What is DeFi?

The UK’s Information Commissioner’s Office has written a report which, amongst other things, considers the privacy implications of Decentralised Finance (DeFi).

Studies, Reports

John Winchcombe

31 Jan. 2023

2 min read

European Round Up

Italy is looking at possible compensatory measures to help retailers pay card fees following its change of heart on reducing cash limits.

Country Profile Studies, Reports

Latest News

Push Back Against the Mantra of Inevitable Cash Decline

Establishing the Limits of Decentralised Money

OECD Highlights Need to Balance Digital Payments and Access to Cash

Updates on a Digital Pound

Criminals Ahead of the Authorities on Payment Fraud

Mobile Payments Remain Muted in Canada

The Constant Need to Innovate

Designing for Financial Inclusion

Two Sides of India’s UPI

Australia’s Payments System Strategic Plan

Understanding the Impact of Retail CBDCs on Banking

Cash Recovering and Holding On, Says BIS

IMF Concludes Cash Usage Falling Globally

From Merchant to Consumer: a Payment Overview

Does France Love Cash?

‘Hard Law’ Needed to Safeguard Euro Cash

European Cash Fundamentals on the Move

What is DeFi?

European Round Up

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