no more cash by 2016?
What planet is this guy living on?
More and more people can't get credit in these financially tight times and are using cash even more than before.
Anyone on a budget can use cash to limit their weekly spend far better than any bit of plastic or mobile app. Nowt in the purse/wallet means I can't afford it this week/month.
Just look at the increase in popularity of the 'payday loans' companies (IMHO they should be wiped off the face of the planet...). This means that more people are cash strapped even in affluent Richmond.
We are also (here in the UK) an aging society despite the current increase in birthrate. As you get older you become naturally more conservative (with a little 'C') in your attitude to life. That includes spending money.
Lets pension this paypal guy off!