Cash Report 2016 Interactieve discussie en vooruitblik over de - PowerPoint PPT Presentation

Cash Report 2016 Interactieve discussie en vooruitblik over de toekomst van cash en geldautomaten 16 september 2016 40 jaar Geldautomaten in Nederland

European research 5 years tracking the state of cash “Future 2011 2013 2016 “European Cash Report” Scenario” Report Netherlands

Cash report structure 28 EU countries Report Format 1. EU Trends, Objectives & Key Themes 2. EU Statistics 3. Cross Country Comparisons 4. Observations 5. Future Scenarios 6. Key findings & Closing remarks 7. 28 Country Pages

The volume of cash transactions is increasing Cash in Circulation is consistently increasing for many years across multiple currencies …

The volume of cash transactions is increasing

But Access is Shrinking Bank Branches Declining ATM Deployment Declining since 2011 Question: Why does the one stakeholder that has the least (commercial) interest in promoting cash, ? still predominantly control access to cash?

ATMs per EU country and development over time in NL Nr� of� ATMs� in� NL� 9000 NL 8500 8000 7500 7000 6500 2009 2010 2011 2012 2013 2014 2015 1. NL heeft relatief weinig ATMs per inwoner 2. Dekking van ATMs in NL is bovengemiddeld 3. Aantal ATMs in NL daalt al jaren

Branches per EU country and development over time in NL Nr� of� Bank� Branches� in� NL 4000 3500 3000 2500 2000 1500 1000 500 0 2009 2010 2011 2012 2013 2014 2015 1. NL heeft relatief zeer weinig Bank kantoren per inwoner 2. Dekking van Bank kantoren in NL is iets onder het EU gemiddelde 3. Aantal Bank kantoren in NL daalt al jaren

ATM withdrawals per EU country (number/value) and in NL (over time) Nr� of� ATM� withdrawals� in� NL� (x� Mio) 500 450 400 350 300 250 200 150 100 50 0 2009 2010 2011 2012 2013 2014 2015 Behoefte aan cash (b)lijkt ook in NL redelijk stabiel (ondanks beperking van toegang)

Proportion of non-cash payments is increasing Questions: Will we come to a natural ‘tipping point’ at which the share of cash is so marginal that it will become increasingly tempting to fully switch to electronic payments? ? How will the industry respond to the apparent fact that its core product is losing relative importance?

Yet cash remains predominant 60% Of all payment transactions in Europe are cash

A two-speed cash Europe? 60% of all payments are in cash 20 out of 28 countries: >50% of all payments are in cash 26 out of 28 countries: cash largest payment instrument in volume

A mixed payment Europe Cash payments <50% Cash payments 50% - 60% Cash payments 70-80% Cash payments 80-90% Cash payments >90%

Will cash disappear? Key Attributes Tangible/Budgeting payment (>5000 EUR) Remote payment Safe Haven/ Fall "Higher" value Convenience Legal Tender Anonymous Availability Reliability Efficient Secure Direct Back Safe 1. Cash covers many key Payment methods attributes + + + + + + - - + + +/- +/- + Cash 1 - - +/- - - - + + +/- +/- + + + Cards - - +/- - - - +/- +/- +/- +/- + +/- + Debit Card 2. Cash - - +/- - - - + + +/- +/- +/- +/- + Credit Card uniquely + - +/- - - - +/- - +/- +/- +/- +/- + Pre paid cards covers some key attributes - - +/- - - - + + + + + + + Credit Transfer - - +/- - - - + + +/- +/- + +/- +/- 3. Non cash Direct Debit +/- - - - - - - - +/- +/- - - - Cheques seems to - - +/- - - - + - - +/- +/- +/- + Mobile cannibalise - - +/- - - - + + - + +/- + + Internet each other - - - +/- +/- - + - - +/- +/- - +/- Virtual Currency Instant - - +/- - + - + + +/- +/- +/- + + Payments 2 3

Cash en non cash in Nederland Quotes from the article: • The payments industry and the retail community have the joint ambition to increase the share of cashless payments to 60 percent by 2018 • [….] a s cashless payments are more efficient than cash transactions (as well as safer and more convenient), • [ ….] we do not foresee the Netherlands will evolve into a completely cashless society. In fact, Artikel o.b.v. interview met Piet Mallekoote, directeur Betaalvereniging Nederland, Sept 2016 the consensus is that the cash infrastructure will remain ubiquitous and that it is up to payers and payees to agree on their payment method.

Innovatie in Cash en ATMs • Innovatie vooral achter de schermen: (re-organisatie van de cash cycle, ATM management) • Functionaliteit van ATM’s grotendeels ongewijzigd sinds 40 jaar en beperkt tot basis functies: Geld opnemen, saldo check KBC België: Tijd voor Cashtech?

taco@paymentsadvisorygroup.co m Download full cash report 2016 at: www.g4scashreport.com