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David Hensley

Founder
Enryo Limited
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10 Jul 2023
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Warrington
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Followed by John Sims, Martha Boyle and 5 others you follow

Latest opinions

David Hensley

The Demise of the Denarius? The Evolving Role of Coin Currency in a Digital Age

The rhythmic jingle of coins, once a constant companion to commerce, is fading into a fading memory. The rise of contactless payments and digital wallets has relegated the ubiquitous coin to an increasingly uncertain future. This trend compels us to consider a thought-provoking question: are we witnessing the end of an era, akin to the pivotal shi...

07 May 2024 Imagine a world without cash

David Hensley

Did the 2019 Access to Cash Review go far enough?

In 2019, under the stewardship of Natalie Ceeny we published the "Access to Cash Review", sparking discussions about the future of cash in a rapidly digitising world. This blog delves into the report's impact, analysing its success in addressing concerns and charting a path for continued access to cash. The Need for the Report The rise o...

23 April 2024 Imagine a world without cash

David Hensley

The Financial Services Revolution

Its five years since we published the Access to Cash Report - Is Britain ready to go cashless? Those past five years have witnessed a whirlwind of innovation in the financial services industry. Fueled by technological advancements, shifting consumer demands, and a regulatory landscape embracing change, this era has fundamentally reshaped how we int...

26 March 2024 Imagine a world without cash

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Latest comments

Cash usage grows for first time in a decade

Amidst the Digital Age, Cash appears to have made a brief comeback, not unlike the end of the resession in 2008. 

In a world increasingly dominated by digital payments, the news of a resurgence in cash usage might seem counterintuitive. However, recent data from the BRC suggests that cash is making a "comeback", with a 7% increase in the number of cash payments in the UK in 2022. This trend raises questions about the future of cash and the factors driving its resurgence. It also highlights the significant cost to retailers (£1.2bn per annum) for handling digital payments. 

 

07 Dec 2023 18:59 Read comment

Sibos 2023: Can CBDC replace cash?

I doubt it will. Digitised cash solutions that provide instant settlement for SME market are more likely to gain traction. 

19 Sep 2023 15:54 Read comment

Seigniorage : The last roll of the dice for cash

Thanks Paul. I'm as interested in accessing the written down cash as the income it generates

22 Aug 2023 21:35 Read comment

David writes about

  • payments
  • regulation & compliance
  • people
  • sibos
  • retail banking
  • sustainable
  • financial inclusion
  • predictions

David's opinion archive

  • 2024 (6)
  • 2023 (17)

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