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When I started using cashless I was shocked at how much incidental crap I purchase throughout the day. Snacks, coffee, coffee, crisps, mints etc. None of this properly registered with me until you see a lengthy bank statement a day or two later.

Same here. I carry some emergency currency for taxis, as some/most don’t take cards, but otherwise I’m 100% cashless. To play devils advocate, given all my transactions are detailed in my bank statement I’d argue it’s easier to budget and account for my spending.

Do you need to be connected to the network for cashless? I have used cashless on London Underground and planes; I’m pretty sure they can’t be checking my details via a internet/WiFi connection in real time.

I hear you. And I am sympathetic to the vulnerable. But how do we move forward with this? Sweden is well advanced with cashless-society so how have they dealt with this issue? Or haven’t they? And this is a genuine question, how do pensioners obtain their pension? Surely their money gets paid...

I don’t want to be insensitive, but is this really the case? If you are watching the pennies surely you’ll remember how much you’ve spent regardless of the medium?

As an aside I use contactless at the AMEX already.

Paul Barber mentioned he is looking at re-introducing a cashless system at the AMEX. We don’t have any idea of which system he will introduce, but in principle, surely this is he way to go? Yes or no?