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John Winchcombe

20 Dec. 2023

5 min read

Payment News

The Chief Minister for Bengal has questioned the government’s focus on cashless transactions.

News

John Winchcombe

28 Nov. 2023

3 min read

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

Exploring the Role of AI in the Central Banking Domain

Artificial Intelligence (AI) roared into the public consciousness in 2023. Its widespread use and, more importantly, its potential have become visible to all, not just the small specialist user community that has been working on it for years. Clearly, AI is of great interest to central banks from the policy makers through the cash issue department.

AI Events Free Free

John Winchcombe

28 Nov. 2023

5 min read

Time to Get Real

The Future of Cash conference was one of those rare opportunities to step back and think. A series of experts presented data, research and conclusions from the real world about cash and its role in the payment hierarchy.

Future of Cash

John Winchcombe

28 Nov. 2023

5 min read

Payment News

Japan has recently experienced a system failure that affected credit card payments at transportation hubs and shops.

News

John Winchcombe

28 Nov. 2023

5 min read

CBDC Round Up

A paper published by the Munich Personal RePEc Archive has carried out secondary research on Africa’s adoption of CBDCs.

CBDC Digital CN

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.

Cash Usage Free Free

John Winchcombe

28 Nov. 2023

2 min read

ATM News

Geldmaat runs the ATM network for the Netherland’s largest banks. This utility approach to ATM provision has strict service level agreements. Despite this the media in the Netherlands has reported that 5% of ATMs were broken at some point in September.

ATMs

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

28 Nov. 2023

5 min read

Privacy Matters for CBDCs

Uniquely amongst payment options, cash offers people payment privacy. A key part of the debate about Central Bank Digital Currencies (CBDCs) is about the extent to which a CBDC can mimic the privacy achieved by cash. A new Bank for International Settlements (BIS) working paper considers designing CBDCs for privacy protection and data governance1.

CBDC

John Winchcombe

28 Nov. 2023

5 min read

Why Do People Adopt and Use Mobile Money?

One thought that came from the Future of Cash conference was the need to understand digital payments more. A recent conference paper from Vietnam does just that as it examines why people in the developing world move to digital payments by studying the uptake of mobile money services in Vietnam.

Digital Payments

John Winchcombe

28 Nov. 2023

5 min read

News in Brief

A new paper has looked at the cash in circulation in 17 economies between 2001 and 20221.

News

John Winchcombe

28 Nov. 2023

2 min read

IMF CBDC Virtual Handbook

The latest International Monetary Fund (IMF) has published a blog which highlights its Central Bank Digital Currency (CBDC) Virtual Handbook. It draws attention to the explosion of interest in CBDCs and the need to design them appropriately.

CBDC Editorial

John Winchcombe

28 Nov. 2023

9 min read

Shaping the Future of Cash in an Uncertain World

The Future of Cash conference in Istanbul, which took place 6-8 November, saw some big conversations about cash today and its future. The mood was more upbeat than in recent years as transactional demand for cash has largely rebounded from the lows of the pandemic and the access to cash agenda has gathered pace in countries facing the reality of less cash.

Future of Cash

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

John Winchcombe

2 Nov. 2023

3 min read

Cash in Sweden: the Reality

Bancomat AB was registered in 1968 in Sweden, and it is the second oldest ATM operator in the world. It was incorporated in 2010 and is owned by Danske bank, Nordea, Handelsbanken, SEB, Swedbank and some savings banks.

Country Profile Future of Cash

John Winchcombe

2 Nov. 2023

3 min read

CBDC Round-Up

The Bank for International Settlements (BIS) has used decentralised finance (DeFi) technology concepts on a public blockchain to trade and settle hypothetical euro, Swiss franc and Singapore dollar wholesale CBDCs across borders between simulated financial institutions.

CBDC Digital CN

John Winchcombe

2 Nov. 2023

5 min read

Payment News

Moody’s Investor Service has published a report on ‘Decentralised Finance and Digital Assets’. In it, it has raised concerns that the Aadhaar identification system, which is based on biometric technologies, is unreliable due to India’s hot and humid conditions, resulting in ‘service denials’.

News

John Winchcombe

2 Nov. 2023

5 min read

The Usefulness of CBDCs

Two recent pieces address the usefulness and role of CBDCs. One explores the theoretical benefits of a CBDC in a high inflation environment, the other the impact of a CBDC if a loss of confidence in the banking system leads to a run on the banks.

CBDC

John Winchcombe

2 Nov. 2023

9 min read

The Changing Environment for ATMs

The Emerging Market and Europe ATM and Cash Summit in Dublin focused on the future role of ATMs in a changing world. In addition to the keynote speech by the Dutch National Bank, supported by a Geldmaat presentation, Bancomat from Sweden, LINK from the UK and the ECB also covered the changing role of cash.

ATMs

Latest News

Payment News

Cash Cycle in a Digital World

Exploring the Role of AI in the Central Banking Domain

Time to Get Real

Payment News

CBDC Round Up

Making The Case for Cash

ATM News

Access to Cash in Canada

Privacy Matters for CBDCs

Why Do People Adopt and Use Mobile Money?

News in Brief

IMF CBDC Virtual Handbook

Shaping the Future of Cash in an Uncertain World

Two Sides of India’s UPI

Cash in Sweden: the Reality

CBDC Round-Up

Payment News

The Usefulness of CBDCs

The Changing Environment for ATMs

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