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Filtered by Cash Usage — 116 articles

John Winchcombe

20 Feb. 2024

3 min read

Will Italy Go Digital?

On 30 June 2022, Italy introduced a law fining merchants €30, plus 4% of the transaction value, if they did not accept a card payment. This law, along with vigorous promotion of card payments, has led Italy to having some of the highest rates of card accepting merchants per million inhabitants in Europe.

Cash Usage

John Winchcombe

25 Jan. 2024

6 min read

Digital Yet to Reduce Cash Usage in India

India’s economy has, like most countries, been buffeted by unexpected shocks over the last few years. Cash was disrupted by the November 2016 demonetisation exercise and by the pandemic.

Cash Usage

John Winchcombe

25 Jan. 2024

3 min read

Mobile Money has Limited Impact on Cash in Uganda

An International Monetary Fund paper uses data from Uganda to understand whether digital payment innovations, particularly mobile money payments, will increase financial inclusion and if it will reduce people’s preference for cash.

Cash Usage

John Winchcombe

29 Dec. 2023

3 min read

Cash Use Rises in the UK

For the first time in years, cash usage has risen in the UK, and not by a small percentage. The British Retail Consortium conducts an annual Payments Survey which covers 35% of the UK’s retailers, and this is the first time since it started the survey in 2013 that it has seen an increase.

Cash Usage

John Winchcombe

29 Dec. 2023

3 min read

Denmark to Change its Banknotes in Order to Keep Them

Danmarks Nationalbank has carried out an analysis of the role of cash in a low cash usage society.

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John Winchcombe

20 Dec. 2023

2 min read

Cash Usage in Canada

A Payments Canada survey has found that 31% of Canadians use cash for day-to-day purchases, with speed (38%), wide acceptance (38%) and the ability to pay without borrowing (25%) the key motivators. Budgeting, privacy, convenience, cost of paying and security are also important.

Cash Usage

John Winchcombe

28 Nov. 2023

3 min read

Cash Cycle in a Digital World

It is unusual for a commercial bank to describe its cash strategy, and so it was particularly good to hear NatWest, one of the UK’s big four high street banks, do this at the Future of Cash conference in Istanbul.

Cash Usage

John Winchcombe

28 Nov. 2023

3 min read

Making The Case for Cash

If a general can choose the battlefield, they can shape what happens next in the fight that follows. At the Future of Cash conference Brett Scott, the author, explained how the digital leaders have created and driven the story that digital is good and analogue is bad.

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John Winchcombe

28 Nov. 2023

4 min read

Access to Cash in Canada

For countries experiencing ‘less cash’, it is becoming normal to measure the distance people must travel to access cash from an ATM, or in Canada’s case and automated banking machine (ABM), or branch of a financial institution. The Bank of Canada has released a paper describing its travel- based metric and the results.

Cash Usage Country Profile

John Winchcombe

2 Nov. 2023

5 min read

Netherlands Struggles with Access to Cash

At the recent ATMIA Emerging Markets and Europe ATM and Cash Summit, the Dutch National Bank (DNB) presented on access to cash.

Cash Usage

John Winchcombe

25 Sept. 2023

7 min read

Delivering Cash Cycle Resilience and Efficiency

As published in our sister publication Currency News™, Giesecke+Devrient (G+D) held its Currency Technology Symposium 2023 in July in Munich, the main themes of which were resilience, hyper-efficiency and sustainability within the cash cycle and generally the role of cash in today´s world.

Cash Management Cash Usage

John Winchcombe

29 Aug. 2023

7 min read

The Importance of Emotion in Payment Decision Making

A new study published in the Munich Personal RePEc Archive looks at what influences consumers’ decision to use cash when presented with digital alternatives.

Cash Usage Future of Cash

John Winchcombe

29 Aug. 2023

5 min read

Figuring Out Cash Demand

The Banque de France issued a working paper in October 2022 that dealt with a number of fundamental questions about cash, questions that are particularly important in a less cash scenario. The paper addressed not just why people hold cash but why they hold different denominations. As the economy changes, what happens to cash holdings?

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John Winchcombe

30 July 2023

4 min read

Who Really Needs Cash?

The Dutch National Bank recognises that while digital payments are a preferred payment solution for some, they are a challenge for others. A missing element in understanding this is the extent to which cash is important and which groups cannot do without cash.

Cash Usage

John Winchcombe

30 July 2023

4 min read

Cash – a Backstop for Freedom

Let’s talk about Canada’s Prime Minister Justin Trudeau, the Chinese Communist Party (CCP), the UK’s Brexit campaign leader Nigel Farage and cash. Cash, of course, being a key part of the payment system driving economic activity around the world.

Cash Usage Future of Cash

John Winchcombe

29 June 2023

3 min read

The Metaverse: a New Frontier Needing Exploration

The media rejoices in either claiming the metaverse is dead in the water or that it is booming. Wherever it falls, payments are made in the metaverse, it is a global marketplace and there is the opportunity to do things differently.

AI Cash Usage Digital CN

John Winchcombe

25 June 2023

7 min read

ABCD to STSMs – A New Banknote Forecasting Model

With the publication of the IMF paper ‘Measurement and Use of Cash by Half the World’s Population’, and the Cash Essentials rebuttal, a new paper about demand forecasting by the Banca d’Italia is timely and adds to the discussion.

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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

4 min read

Safeguarding Cash: ICA Recommendations to Central Banks

The International Currency Association (ICA), representing the global currency sector, has published a Cash Policy White Paper, available on its website www.currencyassociation.org, which is summarised here. It wants policy makers to recognise that the benefits of cash to society may be lost without practical steps to protect the supply and acceptance of cash in society and promote its further development.

Cash in Circulation Cash Usage Future of Cash

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.

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