CMSPI - State of the Industry Report - 2025

2 PAYMENT METHOD PROFILES: CASH

Global Overview

U.S. USD

U.K. GBP

Euro EUR

India INR

Mexico MXN

Date Established

circa 800 90

2002 91

1947

1864

1785 89

Removed from Gold Standard

Never Utilized Gold Standard

Never Utilized Gold Standard Central Bank of India

Never Utilized Gold Standard Bank of Mexico (Banxico)

1933 92

1931 93

European Central Bank

Central Bank

Federal Reserve Bank of England xi

Cash % of C2B Spend 94 95 Value of Cash in Circulation # of Countries Accepted C2B Cash Fraud Annually (Counterfeit etc)

7.30%

13.42%

16.16%

46.56%

32.24%

$2,259.3 billion 96

$109.06 billion 97

$1,680 billion 98

$408 billion 99

$164.6 billion 100

8 101

1

20 102

1

1

554,000 banknotes 105

284,614 banknotes 107

Counterfeit note supply $15-30mn 103

$2.53 million 104

$957,600 106

Cash % of Currency in Circulation (M0)

Total Money Supply $20,800 billion, so cash is 10.86% 108

Total Money Supply $4,148 billion, so cash is 2.63% 109

Total Money Supply $17,502 billion, so cash is 9.60% 110

Total Money Supply $3,195 billion, so cash is 12.77% 111

Total Money Supply $937.3 million, so cash is 17.56% 112

Table 2.1 Characteristics

Credit/Debit Functionality Cash is naturally a debit-based product. Some banks offer credit-based cash advances at ATMs.

BillPay/Recurring Payments Cash payments are push payments only. It is not possible to conduct either merchant initiated transactions (MIT) or recurring payments via cash.

xi

Circulation in Scotland and Northern Ireland are different and determined by local banks

46

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