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Have UK Payments Reached ‘Peak Digital’?

David Fagleman from Enryo, a financial services consultancy1, published an article in Finextra about a surprising shift in the UK payment landscape, a digital slowdown2. A number of countries have reported a stabilisation in cash usage, the most recent being Canada in its 2024 Methods of Payment Survey3, suggesting that there is a ‘bottom’ for cash usage.

Cash in Circulation - August 25, 2025 midnight

The Fragility of Cash Resilience

Matt Sykes of the CPT Group in Australia, global experts in cash, payments and money systems, has written a review about whether cash can deliver on its role providing critical redundancy for national payment systems. They want to start a debate about whether the infrastructure that supports cash distribution deliver on this promise given the acute and growing strain it is under. Does a misalignment between policy assumptions and market realities risk rendering cash ineffective as a payment option in a crisis?

Free - August 25, 2025 midnight

French And Swedish Action to Safeguard Cash

France’s National Payments Committee urges immediate action to secure future payments sovereignty amid rising geopolitical tensions. Cash is crucial for economic resilience, industrial autonomy and national sovereignty.

Future of Cash - July 24, 2025 midnight

America: Land of the Free (and Payment Choice?)

The Payment Choice Coalition (PCC) in the US is an initiative launched in July 2024 by a high-level group of executives from companies active in the cash cycle: Brinks, Davis Bancorp, Fifth Third Bank, G+D, Loomis, and Lowers Risk Group. It has since expanded to include NCR Atleos, Diebold Nixdorf, Western Union, Controltek, and Crane Payment Innovations.

Future of Cash - July 1, 2025 midnight

Ireland Passes Provision of Access to Cash Infrastructure Bill

2024 European Central Bank (ECB) survey data found that about half of point- of-sale payments in Ireland were made using cash. The Finance (Provision of Access to Cash Infrastructure) Bill has now been passed in Ireland to ‘provide for the continued provision of sufficient and effective access to cash infrastructure’. The new Act makes legal provision for the availability, operation, regulation and accessibility of ATM services and cash service points.

Future of Cash - April 29, 2025 midnight

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 - April 29, 2025 midnight

How Important is the Singleness of Money?

The singleness of money is that principle that all different forms of money must have the same value at all times and be interchangeable at par and without cost. A criticism of regulators such as the Bank for International Settlements (BIS) and Bank of England (BoE) is that stablecoins may undermine the ‘singleness of money’.

Future of Cash - February 28, 2025 midnight

Future of Cash in Germany

On 5 February 2025, the Deutsche Bundesbank held its sixth cash symposium in Berlin. Around 120 participants from politics, industry and society attended.

Free - February 28, 2025 midnight

The Tension Between Financial Inclusion and Financial Stability

The effect of financial inclusion (FI) on financial stability has gained attention in recent years because of its importance for effective policymaking. While policymakers aim to achieve FI and financial stability goals simultaneously, overlooking the potential trade-offs between them can expose economies to costly systemic crises or hinder the progress of FI.

Future of Cash - February 28, 2025 midnight