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Staff Papers


12 Months an Editor - the Only Certainty is Change

This is a reflection on 12 months as Editor of Cash & Payment News™ (CPN), writing about the payment environment and the role of cash. With the impact of the pandemic providing the backdrop, a number of themes are evident.

Editorial - July 28, 2021 midnight

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.

Free - July 27, 2021 midnight

Financial Crime is Not Victimless

Financial crime, particularly digital financial crime, can feel victimless. The losses are factored into the fees and charges which are passed on in higher prices and the press seldom focus on the distress and stress caused to individuals faced with criminal activity. In addition, the authorities continue to focus on cash while the evidence grows that criminals are at least as comfortable, if not more so, working with digital cash.

Crime - July 26, 2021 midnight

News in Brief

A number of states and cities in the US have implemented or are considering legislation to make cash acceptance at retailers mandatory.

News - July 26, 2021 midnight

Payment News

China has decided to stop cryptocurrency mining in the interests of financial stability. Mining is the process that validates cryptocurrency transactions by solving cryptographic puzzles in return for receiving newly minted coins.

News - July 26, 2021 midnight

Round-Up of CBDC News

As a reminder, CBDC announcements were made in May relating to Brazil, Georgia, Japan, Kazakhstan, Norway, Pakistan and Russia and in June to Indonesia, Korea, Mauritius, South Africa and Thailand.

CBDC - July 26, 2021 midnight

‘Cash in Times of Turmoil’

The Bundesbank held its international cash conference in June 2021 on the topic of ‘Cash in Times of Turmoil’. The future of cash was extensively explored alongside the impact of the pandemic on cash usage and consumer behaviour.

Conferences - July 26, 2021 midnight

DNB Reports on the Future of Cash Infrastructure

The Dutch National Bank (DNB) has written to the Dutch House of Representatives presenting its report, ‘The Future of Cash Infrastructure in the Netherlands’. The DNB commissioned a study from McKinsey in December last year as the basis for this report.

Free - July 26, 2021 midnight

Why Cash is the Most Inclusive Payment Option

Peterson K. Ozili has written about financial inclusion and why it is harder than it looks. Many of the barriers are within the control of governments to remove by investment and subsidies. Others, the cultural, social and income barriers are a much more significant challenge.

Cash Management - July 20, 2021 midnight

The Complexities of Financial Inclusion

Two articles recently cast a different light on financial inclusion. The first published by Cash Essentials and written by Manuel A. Bautista-González of Colombia University about cash in Mexico and the second published in the Irish Times. Very different stories but interesting perspectives on using less cash.

Future of Cash - July 6, 2021 midnight

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.

Surveys - June 22, 2021 midnight

Dutch Remain Positive about Cash

A survey carried out in February 2021 by the Dutch National Bank (DNB Cash) contained some good news for cash. In five years’ time over 70% of all age groups expect still to be using cash.

Country Profile - June 22, 2021 midnight

BoE and the BIS Launch the London Innovation Hub

On 11 June the Bank for International Settlements (BIS) opened its latest Innovation Hub Centre in London following on from hubs in Hong Kong, Singapore and Switzerland that have already been established. Canada, Frankfurt and Paris, Stockholm, supported by all of the Scandinavian central banks, and New York are planned to open in due course.

News - June 22, 2021 midnight

Round-Up of CBDC News

Central banks making statements about investigating or working on Central Bank Digital Currencies (CBDCs) this month include Bank Indonesia, the Bank of Korea (pilot June 2021-January 2022), Bank of Mauritius, the South Africa Reserve Bank (retail CBDC), and the Bank of Thailand.

CBDC - June 22, 2021 midnight

How to ‘Green’ the Cash Cycle

Jens Eberhardt, Managing Director of Cashinfrapro, has written a useful paper – ‘Green Cash Logistics’ – which considers how modern ways of working can reduce the environmental impact of the cash cycle.

Free - June 22, 2021 midnight

Cash and COP26

This November, COP26, the UN climate change conference, will take place in Glasgow. Cash & Payment News™ and its sister paper Currency News™ have started work on a paper, ‘Cash: a Roadmap to Sustainability’, ahead of the conference.

Staff Papers - June 22, 2021 midnight