Cash Report 2016 Interactieve discussie en vooruitblik over de - - PowerPoint PPT Presentation

Cash Report 2016

Interactieve discussie en vooruitblik over de toekomst van cash en geldautomaten

European research

Cash report structure

• 1. EU Trends, Objectives & Key Themes
• 2. EU Statistics
• 3. Cross Country Comparisons
• 4. Observations
• 5. Future Scenarios
• 6. Key findings & Closing remarks
• 7. 28 Country Pages

28 EU countries Report Format

The volume of cash transactions is increasing

Cash in Circulation is consistently increasing for many years across multiple currencies…

The volume of cash transactions is increasing

But Access is Shrinking

Bank Branches Declining ATM Deployment Declining since 2011

Question: Why does the one stakeholder that has the least (commercial) interest in promoting cash, still predominantly control access to cash?

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ATMs per EU country and development over time in NL

NL

• f

• 1. NL heeft relatief weinig ATMs

per inwoner

• 2. Dekking van ATMs in NL is

bovengemiddeld

• 3. Aantal ATMs in NL daalt al

jaren

Branches per EU country and development over time in NL

• f

• 1. NL heeft relatief zeer weinig

Bank kantoren per inwoner

• 2. Dekking van Bank kantoren in

NL is iets onder het EU gemiddelde

• 3. Aantal Bank kantoren in NL

daalt al jaren

ATM withdrawals per EU country (number/value) and in NL (over time)

• f

Behoefte aan cash (b)lijkt ook in NL redelijk stabiel (ondanks beperking van toegang)

Proportion of non-cash payments is increasing

Questions: Will we come to a natural ‘tipping point’ at which the share of cash is so marginal that it will become increasingly tempting to fully switch to electronic payments?

?

How will the industry respond to the apparent fact that its core product is losing relative importance?

Yet cash remains predominant

60%

Of all payment transactions in Europe are cash

A two-speed cash Europe?

60% of all payments are in cash

A mixed payment Europe

Cash payments <50% Cash payments 50% - 60% Cash payments 70-80% Cash payments 80-90% Cash payments >90%

Will cash disappear?

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• Mobile
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1 2 3

• 1. Cash covers

many key attributes

• 2. Cash

uniquely covers some key attributes

• 3. Non cash

seems to cannibalise each other

Cash en non cash in Nederland

Quotes from the article:

• The payments industry and the retail

community have the joint ambition to increase the share of cashless payments to 60 percent by 2018

• [….] as cashless payments are more

efficient than cash transactions (as well as safer and more convenient),

• [….] we do not foresee the

Netherlands will evolve into a completely cashless society. In fact, the consensus is that the cash infrastructure will remain ubiquitous and that it is up to payers and payees to agree on their payment method.

Innovatie in Cash en ATMs

• Innovatie vooral achter de schermen: (re-organisatie van de cash cycle, ATM

management)

• Functionaliteit van ATM’s grotendeels ongewijzigd sinds 40 jaar en beperkt tot basis

functies: Geld opnemen, saldo check KBC België:

Tijd voor Cashtech?

taco@paymentsadvisorygroup.co m Download full cash report 2016 at: www.g4scashreport.com