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John Winchcombe

27 Feb. 2026

4 min read

The Future of Cash in Japan

A paper titled ‘Cash Demand and Demographic Changes in Japan’ by Hiroshi Fujiki of Chuo University, published recently by the Hitotsubashi Institute for Advanced Study, considers the impact of Japan’s rapidly ageing population and the increase of digital payments.

Future of Cash

John Winchcombe

27 Feb. 2026

3 min read

Cash and Crime in New Zealand

Perhaps it should be no surprise that the chairman of New Zealand’s (NZ) Ministerial Advisory Group on Transnational, Serious & Organised Crime should say on a podcast that ‘Cash is the primary currency of organised crime. And so a huge amount of our cash right now, as we sit here, is in the hands of organised crime’.

Future of Cash

John Winchcombe

27 Feb. 2026

4 min read

How to Influence Payment Choices

A new paper from the Federal Reserve Bank of Atlanta seeks to understand whether, how and to what extent merchants in the US influence consumers’ payment choices1. Using the 2024 Survey and Diary of Consumer Payment Choice, which recorded stated preferred payment methods and then actual choices at the point-of-sale (POS), the authors analysed why consumers sometimes deviate from their preferred option.

Free Future of Cash Free

John Winchcombe

27 Feb. 2026

3 min read

French Cash Cycle Trends

Last year the Banque de France (BdF) published a report on cash usage in France.

Cash Management

Guillaume Lepecq

27 Feb. 2026

7 min read

UK Banks Plan to Set Up a Domestic Card Scheme

UK banks have announced plans to create a domestic alternative to Visa and Mastercard, aiming to reduce dependence on US payment networks and enhance financial resilience. This initiative is part of a broader global trend toward monetary sovereignty, accelerated by the election of Donald Trump and geopolitical tensions. The future of payments is expected to be hybrid, with cash playing a crucial role alongside digital innovations.

Digital Payments

John Winchcombe

27 Feb. 2026

3 min read

Where to Start Measuring Carbon Emissions

MyCarbon, a climate consultancy that has previously presented at Cash Sustainability Forums, has developed a structured, online training programme in carbon accounting. The course teaches methodologies fully aligned with the leading international frameworks, including the GHG Protocol, ISO 14064 (Parts 1–3), ISO 14067 (product carbon footprints), ISO 14068 (carbon neutrality), and relevant net-zero guidance, thus enabling organisations to measure and manage their carbon emissions with confidence and credibility.

Sustainability

John Winchcombe

27 Feb. 2026

5 min read

Payment News

The banking sector has been quick to highlight downsides in President Donald Trump’s suggestion of a one-year 10% cap on credit card interest rates in the US.

Payments

John Winchcombe

27 Feb. 2026

5 min read

CBDC News

The European Union Parliament has approved the digital euro initiative, reaching agreement with the European Council on creating a currency that will function both online and offline.

CBDC

John Winchcombe

27 Feb. 2026

5 min read

News in Brief

In Germany, consumers can pay in unlimited amounts of cash. Only for sums over €10,000 do buyers have to prove their identity and prove the origin of the money.

News

John Winchcombe

27 Feb. 2026

2 min read

Rethinking Central Bank Money

A two part IMF blog by Biagio Bossone and Massimo Costa seeks to reframe how central bank money, banknotes, reserves, and CBDCs are regarded, moving them from being seen as a debt to equity for the issuer and as custodial assets for the holders.

CBDC

John Winchcombe

27 Feb. 2026

2 min read

Celebrating 10 Years of the Central Bank Payments Conference 2026

The 10th edition of Currency Research’s (CR) Central Bank Payments Conference is coming to Istanbul, Türkiye, 23–25 March 2026. Designed as a forum for senior-level authorities, the conference brings the global payments community together for three days of policy-level exchange.

Events

John Winchcombe

27 Feb. 2026

2 min read

Measuring Climate Change

There is that saying, ‘you do what you measure’ and SMART (Specific, Measurable, Achievable, Realistic, Time-bound) objectives are part of all our lives. Measurement matters.

Sustainability

John Winchcombe

20 Jan. 2026

7 min read

Big Themes for 2026

The Danish physicist, Niel Bohrs, said, ‘prediction is very difficult, particularly if it’s about the future’. Few would argue with him, however, here we go… What will be the big themes in 2026 when it comes to cash and payments? Herewith an eclectic mix of suggestions.

Future of Cash

John Winchcombe

20 Jan. 2026

3 min read

A Weak Link in Permissionless Blockchains

A Bank of Italy paper has pointed out there is a link between permissionless blockchains, the most common settlement infrastructures in the crypto ecosystem, and the volatility of the prices of crypto-assets and the availability and security of these infrastructures.

Cryptocurrency

John Winchcombe

20 Jan. 2026

1 min read

Nigeria Addresses Cash Shortages

In 2025 Nigeria suffered from severe cash shortages. In response a special committee was established, chaired by the Central Bank of Nigeria’s (CBN) Governor Olayemi Cardoso. The committee undertook a holistic and comprehensive end-to-end review of the entire cash lifecycle: from production, to transportation, to distribution, and eventual access by consumers.

Cash Management

John Winchcombe

20 Jan. 2026

5 min read

The Changing Face of Cash Management

Cash management is changing as cash moves from being a core business for commercial banks and retailers to being a cost centre. Today’s cash management companies (CMC), such as Loomis, are changing their ‘offer’ to that of ‘cash-as-a-service’ rather than just offering traditional cash-in-transit (CIT) cash services.

Future of Cash

John Winchcombe

20 Jan. 2026

4 min read

News in Brief

Data from LINK, in the UK, shows that compared to 2024 ATM transaction volumes were 1.27 billion (down 8.3%) and withdrawal values were £76.67billion (down 4.2%). The average ATM withdrawal value in 2025 was £92.11.

News

John Winchcombe

20 Jan. 2026

5 min read

Payment News

A Bank of Canada Staff Discussion Paper calculates the marginal cost of an electronic funds transfer (EFT) to be about C$0.55 per transaction ($0.4) and the total fixed cost of running an EFT to be C$83 million per year ($60.23 million).

Payments

John Winchcombe

20 Jan. 2026

5 min read

CBDC News

The Rwanda Bankers’ Association (RBA) has considered lessons to be learnt from the implementations of CBDC in the Bahamas, Jamaica and Nigeria.

CBDC

John Winchcombe

20 Jan. 2026

7 min read

A ‘Eureca’ Moment: Understanding Cash Through Research and Data

At the end of last year, the Eurosystem Research Network on Cash (EURECA) held a workshop at the European Central Bank (ECB) to consider the latest currency research.

Free Future of Cash Free

Latest News

The Future of Cash in Japan

Cash and Crime in New Zealand

How to Influence Payment Choices

French Cash Cycle Trends

UK Banks Plan to Set Up a Domestic Card Scheme

Where to Start Measuring Carbon Emissions

Payment News

CBDC News

News in Brief

Rethinking Central Bank Money

Celebrating 10 Years of the Central Bank Payments Conference 2026

Measuring Climate Change

Big Themes for 2026

A Weak Link in Permissionless Blockchains

Nigeria Addresses Cash Shortages

The Changing Face of Cash Management

News in Brief

Payment News

CBDC News

A ‘Eureca’ Moment: Understanding Cash Through Research and Data

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