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Thanks for your comment and as I said its an ambitious target at best but if Worldpay found one third of people hold such a belief then at the very least the conversation is properly on the table. Also worth looking at stats for card usage as well as notes in circulation and you see that whilst it may not be 2020 but rather 20?? it does appear we are on a path where cash will become a tertiary payment means.

Good point Bo, the question will be as the use of real time e-payment, for example, increases are the current levels of securty protecting such interactions sufficent ? THis is where tokenisation, biometrics and geo location may enable us to offer not only a convenient but a secure environment.