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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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).

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.

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

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.

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.

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.

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.

The Hong Kong Monetary Authority (HKMA) and Bank for International Settlements (BIS) Innovation Hub have been working on Project Aurum.

Denaria Platform is a Spanish association established to support payment choice through the maintenance of cash. It is working to ensure society is aware just how important cash is both economically and for financial and social inclusion.

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.