[Jimbuna]

Let me chip in with the UK.

Transactions in the high street continue to be made predominantly with cash.....cheques are seldom used nowadays.

Whilst the credit/debit card system is very widespread and Chip and PIN protected, there are those on lower incomes who obviously have no need for such sophisticted security because they don't have access to a bank account.

The Government are trying to reverse this trend with measures such as transferring pensions and welfare benefits directly into individuals bank accounts or into Post Offices where the individual will require a bankers card to access the funds.