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David Hensley

The Demise of the Denarius? The Evolving Role of Coin Currency in a Digital Age

The rhythmic jingle of coins, once a constant companion to commerce, is fading into a fading memory. The rise of contactless payments and digital wallets has relegated the ubiquitous coin to an increa...

07 May 2024
Imagine a world without cash
David Hensley

Did the 2019 Access to Cash Review go far enough?

In 2019, under the stewardship of Natalie Ceeny we published the "Access to Cash Review", sparking discussions about the future of cash in a rapidly digitising world. This blog delves into t...

23 Apr 2024
Imagine a world without cash
David Hensley

The Financial Services Revolution

Its five years since we published the Access to Cash Report - Is Britain ready to go cashless? Those past five years have witnessed a whirlwind of innovation in the financial services industry. Fueled...

26 Mar 2024
Imagine a world without cash
David Hensley

If I could improve one thing this year

If I could improve just one thing in the payments industry this year, it would be fostering greater financial inclusion through seamless integration and accessibility. Now this might sound broad, but ...

09 Jan 2024
Financial Inclusion
David Hensley

My Crystal Ball for Payments: Key Predictions for 2024

2023 saw the payment industry in a whirlwind of innovation, with open banking on the rise, BNPL facing regulatory scrutiny, and the war for digital wallets intensifying. As we peer into the future, 20...

08 Jan 2024
Trends in Financial Services
David Hensley

What 2024 could mean for the cash industry

The outlook for the cash industry in 2024 is a complex tapestry woven with threads of decline, resilience, and potential adaptation. Here are some key things to watch out for: Continued Decline: Cash...

03 Jan 2024
Imagine a world without cash
David Hensley

Cash in 2023: A Mini-Renaissance Amidst Digital Domination

2023 witnessed a curious phenomenon in the world of payments: cash made a comeback. After a decade of steady decline, the use of coins and notes saw a slight increase, defying predictions of a fully c...

27 Dec 2023
Imagine a world without cash
David Hensley

The real price consumers pay for living in a digital age

Amidst the Digital Age, Cash appears to have made a brief comeback, not unlike the end of the resession in 2008. In a world increasingly dominated by digital payments, the news of a resurgence in cas...

07 Dec 2023
Imagine a world without cash
David Hensley

The rise of the credit union.

Credit unions are member-owned, non-profit financial cooperatives that provide a wide range of financial services, including everyday banking, and savings accounts, loans, credit cards, and investment...

23 Nov 2023
Financial Inclusion
David Hensley

Norway

As with the rest of the world the number of cash payments has been declining in Norway for many years, what is interesting is that for such a low cash use (currently less than 3% of all payments) ther...

24 Oct 2023
David Hensley

Could Artificial Intelligence bridge our digital divide?

Artificial intelligence (AI) is one of the most transformative technologies of our time. It is already being used to automate tasks in a wide range of industries, from healthcare to manufacturing and ...

02 Oct 2023
Imagine a world without cash
David Hensley

The rise of the Super Apps

Super apps are mobile applications that offer a wide range of services, including messaging, social media, e-commerce, and financial services. They are becoming increasingly popular in Asia, where the...

25 Sep 2023
Imagine a world without cash

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