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Electronic (particularly Paywave/Apple Pay/NFC) is miles faster than me & a shop assistant both mucking around counting coins, let alone queueing up at ATM machines or the "don't you have anything smaller?" conversations.

He says having moved from New Zealand to the UK in the last 6 months. Cash is a constant PITA here for me.

I'm of the generation where as kids ('90s) we used EFTPOS (electronic debit system which took an absolute maximum of 10 seconds including manual retailer and customer actions) to buy ~US$0.30 chocolate bars from corner shops. That was helped by both the retailers and customers essentially paying no transaction fees. (Doesn't apply to PayWave, but that's another story and the customer expectations are the same)




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