David Fagleman

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02 Dec 2020

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London

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Have UK payments reached 'peak digital'?

The narrative around digital payments in the UK has long been one of relentless growth and inevitable dominance. From contactless cards to mobile wallets, the assumption has been that cash would gradually fade into obsolescence as digital alternatives became more convenient and ubiquitous. However, the FCA's Financial Lives 2024 survey suggests we...

21 July 2025

The Bank of England needs to stop talking about cash in circulation

Last Wednesday the new polymer £50 banknote, featuring Alan Turing, entered circulation, representing the final phase of UK currency modernisation, a project that started in 2015 with the polymer £5, followed by the 12-sided £1 coin (2016), the polymer £10 (2017) and polymer £20 (2020). With Scottish and Northern Irish note issuers also modernisi...

28 June 2021 Financial Inclusion

What does 2021 have in store for cash?

For the best part of the past decade the use of cash for day-to-day transactions has been declining as people became more confident using Chip & Pin, contactless and mobile options, as well as increasingly opting for online shopping in favour of the high street. According to UK Finance, cash accounted for 20.4bn transactions in 2010 (c.58% o...

13 January 2021 Financial Inclusion

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