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Contactless payments are ready to donate a helping hand!

Contactless Payments are set to become increasingly involved in charity fundraising appeals. The move comes as statistics published late last year showed an incredible rise in the amount of money spent with contactless devices.
According to the UK Card Association, November 2016 saw a £2,903m spend in the UK through contactless mediums – an incredible 183% rise on the previous year.
Now, that incredible figure is set to be translated onto the fundraising scene, with many charities recognising that people are more inclined to spend contactlessly than with spare cash.
Some major charities have already began trialling the scheme, with the 2015 Red Nose Day producing statues that housed contactless payment points where people could donate.
Furthermore, The Blue Cross then introduced a scheme in 2016 where people could ‘Pat and Tap’ the dogs on show to donate £2.
With contactless payments on the rise, the increasing ingenuity of charities to use these schemes as a means of increasing fundraising totals is something that will definitely increase during the coming months and years.

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Reasons why your Business NEEDS to make the switch to contactless payment solutions

More than just a saying or statistic, it has become reality that ‘Businesses that decline card payments are losing out’.

Sorry, we don’t take card payments’ should be a thing of the past as Britain quickly converts to a cashless society, not taking card payments should be something rarely heard of by now. Unfortunately, this is not the case just yet. 75% of all UK retail purchases are made by card; and yet still, more than two thirds of British small to medium sized businesses (SMEs) still don’t accept card payments.

With Cheaper PAY’ment solutions you can:

  • Accept Payments over the phone
  • Accept online Payments
  • Accept smart phone payments
  • Accept Chip ‘n’ Pin payments

How will these benefit your business?

  • Never miss a sale – Customers are able to buy your products anywhere at any time with secure online payments which means more sales for your business.
  • Beat your competitors – Customers are more likely to shop at a store that offers card payments.
  • Happier customers – Card payments are processed in a matter of seconds so customers can quickly continue with their day and you can get on with serving the next customer.
  • Lower bank fees – Handling less cash means fewer trips to the bank and more money back into your business.
  • More security – Extra features protect your business from fraudulent transactions and tell you immediately if a customer’s funds have not yet cleared.

Our low transaction costs are what make Cheaper Pay one of the most affordable merchant service suppliers available. Many card machine companies will charge you for a service that is designed to benefit growing businesses rather than hinder them.

At Cheaper Pay, we believe in supporting and innovating businesses with evolving technology. That is why we offer FREE quotes and a 3 months’ free trial to ensure that the payment solution you have chosen is compatible for your business.

To begin your journey to contactless payment get your free quote HERE.

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Take Payments Over the Phone

phone payments

We can help you get your business ready to take payments over the phone. Enquire today and get a free quote!

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Pepare for the next generation of card payments

Paying for your shopping using your smartphone just got even easier as Mastercard expands the reach of its mobile payment app.

The humble credit and debit card may be a step closer to extinction thanks to a new announcement from Mastercard.

The company has revealed a major expansion to its Masterpass digital wallet service that will allow customers for the first time.

Going forward, Masterpass should now work seamlessly on your smartphone, wearable device or tablet, letting you pay online, in-store, or using the NFC-enabled app with just one touch.

Masterpass makes paying for goods even easier

Masterpass makes paying for goods using your smartphone even easier

Mastercard says that the new service, which links to your current account, is perfect for a wide ranges of use cases, from paying for the tube in the morning to splitting the bill at lunch and ordering your weekly shop online.

Banks will also be able to build Masterpass into their own apps, bringing together all your various digital payment methods and apps in one place.

The company says that around 80 million people around the world will be able to benefit automatically from the new service, which launches in the US today before expanding to Europe later next year.

The news comes as competition in the mobile payment market continues to increase, as big players such as Apple and Samsung throw their weight behind the technology.

Since its launch in 2014, Apple Pay has helped popularize the idea of paying for good using a mobile phone in the UK, with thousands of businesses across the country supporting the technology.

 


Moore, M. (2016) Home. Available at: http://www.express.co.uk/life-style/science-technology/689626/mastercard-masterpass-contactless-shopping-payment-app-nfc (Accessed: 15 July 2016).

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Selfies And Contactless Rings: New Ways To Pay

The way we pay for goods is changing. Get ready for Selfie Pay, contactless payment rings and iris scanners.

What if you could use a selfie to pay for things? How about the rhythm of your heart?

New technologies that could change the way we buy things have been shown off at the Gherkin as part of London Tech Week.

Selfie Pay takes everyone’s favourite vanity exercise and makes it useful: allowing you to authorise a transaction with your face.

The app requires you to blink so it knows you’re really there and someone isn’t using a photo of you to fraudulently authorise a transaction.

The idea is to get rid of the need for passwords, instead using biometrics: unique data based on individual characteristics like your face, eyes or fingerprint.

“If you think about passwords, they’re a standalone measure,” said Jane Khodos from MasterCard. “They’re easily lost, stolen or forgotten.

“Here you’re authenticating with what you have: your phone and also who you are.”

You could use this kind of tech to buy goods, pay for bus or train fares, or to log into your computer.

We also saw more of Nymi: a wearable wristband that can identify you by the unique rhythm of your heart, found in your electrocardiogram (ECG).

Your heart rhythm is not to be confused with your heartbeat, so the band would still work if you had just run for a bus, for example.

“We’re also very concerned about the security issues, it’s something that’s top of the mind for us,” said Amy Neal from MasterCard Labs, the company’s research and development division.

It is not just biometrics that could change payments.

Kerv is said to be the world’s first contactless payment ring: a simple piece of technology that essentially means you are wearing a contactless payment card.

Payment tech inventors emphasise that there is no need to choose just one of these products.

“You can start to bundle biometric authentication together,” says Ms Neal. “So you might have Selfie Pay, but also the electrocardiagram for additional security.

“We hear stories like people are concerned that they may have an identical twin, so what does that mean if you’re doing selfie pay?

“For us this is ensuring that we have a full suite of biometrics available.”

The Kerv ring is due out in July, Selfie Pay comes out in the UK this year and the Nymi band and iris scanner are both still in development.

 


Team, T.S. (2016) Selfies and Contactless rings: New ways to pay. Available at: http://news.sky.com/story/selfies-and-contactless-rings-new-ways-to-pay-10323052 (Accessed: 15 July 2016).

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Festival-goers snap up contactless technology as Qpal launches

QPAL, an Aberdeen-based start-up that has created an innovative technology solution for the events industry, officially launched on Saturday with its first successful deployment at a music and ale festival near Edinburgh.

Aiming to enhance event experiences for both organisers and attendees, Qpal is bringing its innovative web application, which enables efficient, smart and cashless payments via contactless technology, to the UK events industry.
Craig Buchan, founder and managing director of Qpal, comments: “The Qpal team is thrilled to officially launch after the first full deployment of our technology at the inaugural Hops in the Garden event, which took place near North Berwick.

“We developed this solution with the core aims of reducing queue times, increasing revenues, and giving event organisers access to real-time data – with the overarching mission of boosting and enriching live events for everyone involved. This is exactly what we achieved at Hops in the Garden, and we are set to do the same at upcoming events across the country.

“We were delighted to work alongside an early adopter of the Qpal technology, who fully embraced what we are trying to bring to the industry, and bought into our vision.”

Ian Stokes, manager of Hops in the Garden, adds: “From initially meeting the Qpal team, we knew this unique solution would be a great fit for our event. As our venue is relatively isolated with no cash machine on-site, Qpal was the perfect solution to ensure our attendees could easily purchase food and drink throughout the festival.”

The Qpal technology allows event attendees to load cash onto a branded card, and use its contactless technology to quickly and easily make payments throughout an event. This eliminates the need for cash or token systems, which are currently used across the events industry, and brings about a whole host of benefits to event organisers and attendees alike.

Ian continues: “We plan to host Hops in the Garden again next year, so the access to the data analytics is invaluable, enabling us to make key decisions based on a better understanding of our customers and their purchasing behaviour.

“We wish Craig and his team all the best for the future, and thank them for helping us to deliver a better event experience.”

In February this year, Qpal was accepted onto the exclusive 12-week Accelerator Programme in Aberdeen, which is run by Elevator UK, a business support organisation and centre of entrepreneurship based in Aberdeen.

 


 

Festival-goers snap up contactless technology as Qpal launches, via: http://www.scotsman.com/news/festival-goers-snap-up-contactless-technology-as-qpal-launches-1-4175705 (Read 13/07/2016)

 

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Apple Pay is coming to the web – but there’s a catch

Apple Pay will soon be available on in browsers on macOS and iOS, but payments will still have to be authenticated on an iPhone.

Following months of rumours, Apple has confirmed it is launching Apple Pay on the web.

The feature was unveiled at the annual Worldwide Developer Conference and will let you pay for goods through Safari on macOS and iOS. Payments will still need to be authenticated using a fingerprint-enabled iPhone or the Apple Watch.

When customers are browsing on supported websites – such as Crate and Barrel and lululemon – an Apple Pay button will appear. It will work in a similar way to Apple Pay on apps.

Previously, to use Apple Pay iPhone users could store their card details into the contactless system and use NFC to tap and pay for goods in participating stores. Alternatively, they could use Apple Pay to buy items on selected iPhone apps.

Today’s announcement expands this to the web. People shopping on a website on a Mac, or via Safari on their phones, will get a notification on their iPhone to confirm the transaction, which this is done using TouchID.

 

Apple Pay will be limited to £20 until September, when payments up to £30 will be allowed

Apple Pay will be limited to £20 until September, when payments up to £30 will be allowed

This means users won’t have to manually enter credit card information on individual websites or store them online when buying goods because the payment – and security – is routed through the Apple Pay system.

The new features are due to start rolling out to the UK and US countries “soon” and WIRED has contacted Apple to get more information and details of supporting websites.

Apple Pay launched in the UK last year and brought the contactless payment system to stores including Boots, Costa, Lidl, Marks & Spencer and Nando’s.

More than 250,000 shops across the UK now accept Apple Pay, with Transport for London also supporting the payment method on its network. The UK was the second country to get Apple Pay after the service launched in the USA in October 2014.

 


Woollaston, V. (2016) Apple pay is coming to the web – but there’s a catch. Available at: http://www.wired.co.uk/article/apple-pay-web (Accessed: 12 July 2016).

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Barclaycard bPay turns watches contactless

Barclaycard is expanding its bPay contactless payments range through the introduction of a small case that can be attached to watches and fitness bands.

The bPay Loop is a silicon case containing an NFC chip that can be slid onto the strap of watches and fitness bands with open buckles.

Launched in 2014 bPay is available to anyone with a UK-registered Visa or MasterCard, debit or credit card, not just Barclaycard and Barclays customers. Users add funds to their digital wallet on-the-go using a mobile app, online through the bPay web portal, or set up an automatic top-up which adds funds when their balance falls below a pre-set level.

Bpay was initially launched as a wristband and is also available as a sticker and fob, with over 100,000 products sold. Barclaycard says that the latest Loop version comes in response to customer demand for a way to add payment functionality to wearables people already own.

Available to buy online for £19.99, Barclaycard has also teamed up with Swiss watch maker Mondaine and fitness tech outfit Garmin to offer Loop to those purchasing selected items from both brands.

Tami Hargreaves, commercial director, digital consumer payments, Barclaycard, says: “Thanks to the huge growth we are seeing in contactless payments, we are increasingly becoming accustomed to being able to make low-value payments throughout the day, in a quick, easy, convenient way. Loop makes that easier than ever.”


Finextra (2016) Barclaycard bPay turns watches contactless. Available at: https://www.finextra.com/newsarticle/29140/barclaycard-bpay-turns-watches-contactless (Accessed: 7 July 2016).

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OT Enables Contactless Payment with Swatch in Switzerland

OT (Oberthur Technologies), a leading global provider of embedded security software products and services, announces a key partnership with Swatch, the renowned Swiss watchmaker and one of the world’s most popular brands, to provide contactless payment to customers in Switzerland.

They will be able to pay with speed, security and convenience, just waving their stylish Swatch Bellamy watch close to on contactless terminals – a great way to shop and save time.

This Smart News Release features multimedia. View the full release here: http://www.businesswire.com/news/home/20160616005616/en/

As contactless POS terminals are now widespread in all kinds of locations (convenience stores, Quick Service Restaurants, vending machines, car parks, etc.), using such a wearable to pay becomes easy and really convenient for everyday purchases. Combining payment convenience with the style of a Swatch watch really enhances customers’ everyday experience.

OT’s FlyBuySE (Secure Element) is fully integrated within Swatch Bellamy watches and provides a high level of security while enabling seamless payments and transactions. OT’s latest portfolio covers a broad range of payment networks and applications (such as payment, security access, transport, etc) and can be embedded in many different types of wearables. With this partnership between Swatch and OT, Swatch Bellamy holders can perform fast contactless transactions with an innovative alternative to cash. Their watch remains as stylish as before, while embedding the latest payment technologies.

“At OT, we are delighted to work with such a renowned brand as Swatch to launch this innovative product. As contactless payment becomes widespread from an acceptance point of view, more end-users will be looking for such stylish wearables enabling them to pay in a quick, secure and convenient way” said Eric Duforest, Managing Director of the Financial Services Institutions business at OT.

Carlo Giordanetti, Creative Director, Swatch International, declared: “We are happy with the cooperation with the OT team in the Swatch Bellamy project. OT knows how to adapt its portfolio of products and solutions to the latest trends and it is the ideal partner to offer this innovative watch. We look forward to developing this relationship further, and to presenting Swatch Bellamy in more countries.”

“We are delighted to team up with OT and Swatch to provide a payment-enriched version of this emblematic Swiss time keeper to our customers. The Swatch Bellamy is an innovative and fashionable alternative to traditional payment cards. Due to the prepaid functionality, the funds can be easily loaded without any need of a bank account” said Alessandro Seralvo, Director Cornèrcard.

ABOUT OBERTHUR TECHNOLOGIES
OT is a world leader in embedded digital security that protects you when you connect, authenticate or pay.

OT is strategically positioned in high growth markets and offers embedded security software solutions for “end-point” devices as well as associated remote management solutions to a huge portfolio of international clients, including banks and financial institutions, mobile operators, authorities and governments, as well as manufacturers of connected objects and equipment.

OT employs over 6 500 employees worldwide, including almost 700 R&D people. With a global footprint of 4 regional secure manufacturing hubs and 39 secure service centers, OT’s international network serves clients in 169 countries. For more information: www.oberthur.com

 


(No Date) Available at: http://finance.yahoo.com/news/ot-enables-contactless-payment-swatch-114400627.html (Accessed: 4 July 2016).

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UK Debit Cards Surpass 100M Mark

The circulation of debit cards in the U.K. has hit a major milestone.

The U.K. Cards Association announced on Thursday (June 30) that there are more than 100 million debit cards in the U.K.

Growth in debit card circulation has increased 2.7 percent over the past year, surging from 97.6 million to 100.3 million in April of this year.

In a statement from The U.K. Cards Association, the organization’s head of policy, Richard Koch, said:

“Since they were first launched in the U.K. in June 1987, debit cards have become a prime feature in the nation’s wallets. Now, almost 30 years later, more than half of all retail sales in the U.K. are made using a debit card. More recently, it has been the growth of contactless, as well as the increasing use of debit cards for online shopping, that has been driving the changes.”

According to the association, debit card spending in the U.K. reached £37.8 billion earlier this year, showing a 6.8 percent jump from £36.5 billion in 2015.

There are many factors contributing to the rise in debit cards in the U.K. market, including consumers opening new bank accounts and the changing ways in which consumers make payments and access funds.

The U.K. Cards Association’s data found that the number of ATM-only cards has drastically decreased in recent years and the check guarantee-only card scheme ended in 2011.

With the popularity of contactless payments in the U.K., it’s no surprise that 61.8 million debit cards in the region now include contactless technology.

The monthly spending on contactless cards reached a record £1.5 billion in March 2016, according to The U.K. Cards Association. In March, approximately 179.6 million contactless purchases took place, amounting to 67 transactions being made every second.

Earlier this year, Visa Europe released data showing that one in five in-person card transactions are now being made with a contactless card in the region. This translates to nearly 3 billion tap-and-pay transactions in Europe over the course of the last 12 months, tripling levels from a year ago.

 


PYMNTS (2016) UK debit card circulation exceeds 100M. Available at: http://www.pymnts.com/news/international/2016/uk-debit-cards-circulation-milestone/ (Accessed: 4 July 2016).

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Pay your car licence – with your card!

Cape Town – The City is testing the use of card payment facilities at its motor vehicle registration office at the Civic Centre.

The use of card payment facilities will be for one week before the City expands this service to other motor vehicle registration facilities across Cape Town, such as the Promenade Mall, Milnerton, Khayelitsha and Plumstead.

On the first day of the pilot, more than 100 credit and debit card transactions were processed.

The city-wide roll out to motor vehicle registration offices is expected to take approximately two months. According to deputy mayor Ian Neilson, the expansion of card payment facilities for the payment of rates and tariff accounts and traffic fines will take a bit longer as system upgrades are required.

The City will accept payments of up to R5000 per transaction by credit or debit card, or any other means of payment which does not hold any cost implications.

“This amount covers most transactions by our clients,” Neilson said, “be it for motor vehicle licences, rates, services bills or other sundry payments. The City will, however, reclaim the relevant banking fee for any payment over R5000.”

As electronic payments carry the lowest bank charges, more than 60 percent of payments to the City are via this method.

“Our first day of testing went well and 103 card transactions to the value of approximately R45 000 were processed,” he added.

“The success of our online offerings, such as receiving municipal accounts by e-mail and the option of registering for the City’s e-services portal, allows for online payments of rates, tariffs and motor vehicle licence payments for clients,” said Neilson.

 


Kent claims 90% of waste handled in UK (2016) Available at: http://www.letsrecycle.com/news/latest-news/kent-claims-90-of-waste-handled-in-uk/ (Accessed: 1 July 2016).
In-text citations:

  • (Kent claims 90% of waste handled in UK, 2016)
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Brexit’s impact on payments

The U.K. voted to leave the EU last Thursday, which has driven volatility in markets across the globe, the resignation of the British prime minister, and a call for a Scottish Independence Referendum.

Although the specific next steps still haven’t been outlined, the reactions to the results could have far-reaching implications on the payments industry.

  • Cross-border payments could be impacted by the strong dollar: The British pound has tanked relative to the US dollar since the decision, and the euro has also dropped. As the dollar strengthens, US goods become more expensive and therefore less attractive to foreign buyers, limiting outbound commerce from non-US countries. Likewise, purchases made in foreign currencies become less valuable when translated in US dollar terms. A sustained drop in these currencies could suppress international volume for US-based payment companies with cross-border operations, like card networks and money transfer operators (MTOs).
  • But remittance companies could actually benefit from currency volatility: Remittance companies partly earn money based on the difference between the exchange rate applied to the sender and the exchange rate applied at payout. Remittance firms calculate an exchange based on the day’s rate for a given currency, but they also add a mark-up of 1% to 3% on top of that rate to earn revenue. Volatile currencies could allow remittance players to grab additional margin to compensate for the volatility and risk, Samish Kumar, CEO of Transfast, told BI Intelligence.
  • Interchange rates could be altered in the UK: Interchange fees are determined by the card networks, but they’re capped by the EU, which the UK is currently a part of. This means that the EU’s fee caps apply to the UK, according to Richard Willis, partner at Alston & Bird’s Financial Services & Products Group. However, if the UK officially splits from the EU in the future, it could gain control over its own interchange fee caps, which could affect the revenue various payment providers collect on transactions.

 


Intelligence (2016) Brexit’s impact on payments. Available at: http://uk.businessinsider.com/brexits-impact-on-payments-2016-6 (Accessed: 30 June 2016).

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How will the homeless survive in a cashless society?

In less than ten years time it is estimated that only one in four payments will made by cash.

Although it might feel to some like we have reached that point already, it will mark a dramatic shift from the current status quo when around half of all payments are made by notes or coins.

But while the shift to a cash free existence might feel like an inevitability, there are people on the fringes of society who are so reliant on it, that a life without it almost seems like an impossibility.

Yet, there is a growing awareness amongst the homeless and those that support them that action needs to be taken now so they are ready when the time comes.

For those with no fixed abode there are a huge array of different hurdles that need to be jumped in order for them live a life not wholly reliant on cash.

LONDON, ENGLAND - JANUARY 27: Two homeless men sleep near Trafalgar Square on January 27, 2016 in London, England. A group of 21 charities, including Crisis, St Mungos and Centrepoint, have called for extra effort by the next London Mayor to help end the growing problem of homelessness on Londons streets. (Photo by Dan Kitwood/Getty Images)

Only 1 in 4 payments will involve cash by 2025 (Picture: Dan Kitwood/Getty Images)

Take setting up a bank account, for instance.

It seems tough enough when you have a permanent address, proof of other credit facilities and ID.

But when you don’t it becomes a whole lot harder.

And that is why charities like St Mungo’s and the Big Issue Foundation (the charitable arm of the Big Issue) are working hard to help as many people as possible gain access to the things we take for granted.

Around one in four of St Mungo’s clients dont have a bank account, many having only dealt with cash before.

(Picture: iZettle)

The Bis Issue is amongst those looking alternative payment methods (Picture: iZettle)

David Fisher, the charity’s executive director of services, said setting up bank accounts and other services, like phone contracts, can be difficult without a permanent address.

He added: ‘It’s important that people who may be homeless or vulnerable aren’t left behind when it comes to living in an ever evolving and innovative society.’

Paul McNamee, who is the editor of the Big Issue magazine, told metro.co.uk it is also working with its vendors to ensure they have the facilities they need.

‘We haven’t necessarily noticed a negative impact on our sales because of the move to cashless,’ he said.

‘But we know that’s going to come which is why this is something we are looking to get ahead of.’

He explained discussions are ongoing with banks to ensure people selling the Big Issue will be able to take both contactless and cash payments.

‘Because it’s essentially a cash environment our vendors work in, we’ve also had to consider how they will be able to cash up because they are leading lives that are pretty hand to mouth some of the time,’ he continued.

‘We are working with vendors to enable to them do those things. To help them get ID, whether that’s tracing back to help them get a National Insurance number, helping them getting ID or passports.’

(Picture: Simon Mott)

Simon Mott is the first Big issue vendor to take cashless payments in the country (Picture: Simon Mott)

The magazine has been trialling cashless methods of payment in a number of different locations across the country.

But there is one vendor, who pioneered the method off his own back and has been reaping the benefits ever since.

Simon Mott first invested in a chip and pin device through Swedish company iZettle a few years ago.

The 52-year-old, who sells the Big Issue outside South Kensington Tube station, spent £59 on the initial device but now takes around £500 a year in chip and pin, contactless and Apple Pay transactions.

‘I wouldn’t have seen that money if it wasn’t for the card reader,’ he told metro.co.uk.

(Picture: iZettle)

He estimates he takes around £500 a year in cash free transactions (Picture: iZettle)

He said the investment was a reaction to what he realised was a growing issue.

‘People say to me I’d like to buy the magazine but I don’t have money on me,’ he continued.

‘In the past it might have been a polite put down, when nowadays it’s actually true, they haven’t got any money or change.’

Simon said one noticeable difference about taking card payments, is that the money does not go in to his pocket instantaneously. And he thinks that’s a good thing.

‘You don’t have access to those funds immediately, it might be a couple of days  before it goes in to your bank account,’ Simon added.

LONDON, ENGLAND - AUGUST 04: Bedding belonging to a homeless person lies under a railway bridge on August 4, 2015 in London, England. Income inequality in the United Kingdom is higher than many other developed countries with a 2014 report by the Institute for Fiscal Studies claiming that around 23% of Britons were now in relative poverty. (Photo by Carl Court/Getty Images)

(Picture: Carl Court/Getty Images)

‘You don’t have the money to spend and waste it. It encourages the forethought of managing your money in a better way really

‘I think things are going to have to change.

‘This isn’t just from the Big Issue’s point of view but from that of other homeless people begging on the streets, if people don’t change then they are going to suffer as well.’

 


Meyjes, T. (2016) How will the homeless survive in a cashless society? Available at: http://metro.co.uk/2016/06/10/how-will-the-homeless-survive-in-a-cashless-society-5936662/ (Accessed: 29 June 2016).

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Never mind the contactless card, I will be paying by ear

Spending with contactless cards more than trebled last year to almost £8 billion. Experts predict that wearable payments will be the next big thing, with the technology incorporated into watches, earrings and clothes.

Henry Holland used the wearable technology in his London Fashion Week show last September. VIPs in the crowd were able to buy garments from the catwalk by touching a specially designed ring to a blue brooch that the models were wearing.

Contactless technology, which allows shoppers to buy without entering a PIN, has been in circulation since 2007 but adoption rates soared when the spending limit increased to £30.

Half of all credit and debit cards in circulation allow contactless payments, according to the UK Cards Association.

Analysts say that within five years millions of Britons will be paying via smartwatches, wristbands or key fobs with embedded microchips.

 


2016, T.N.L. (2016) Never mind the contactless card, I will be paying by ear. Available at: http://www.thetimes.co.uk/article/never-mind-the-contactless-card-i-will-paying-by-ear-kgs7dcfvv (Accessed: 28 June 2016).