{"id":9211,"date":"2025-11-05T10:30:00","date_gmt":"2025-11-05T10:30:00","guid":{"rendered":"https:\/\/www.markwilson.co.uk\/blog\/?p=9211"},"modified":"2026-01-13T22:25:17","modified_gmt":"2026-01-13T22:25:17","slug":"the-day-i-forgot-my-wallet-and-it-didnt-matter","status":"publish","type":"post","link":"https:\/\/www.markwilson.co.uk\/blog\/2025\/11\/the-day-i-forgot-my-wallet-and-it-didnt-matter.htm","title":{"rendered":"The day I forgot my wallet \u2013 and it didn\u2019t matter"},"content":{"rendered":"\n

Yesterday I left the house without my wallet.<\/p>\n\n\n\n

Once upon a time that would have been a disaster \u2013 but it didn\u2019t matter in the slightest. I had my iPhone. My Apple Wallet held my train tickets and my virtual payment cards, and everything just worked.<\/p>\n\n\n\n

At some point, I realised I\u2019ve quietly crossed the line into a world where my phone is my wallet. It doesn\u2019t just hold my payment cards \u2013 it replaces the cards I\u2019d need to withdraw cash too. Which raises a question: if physical cards disappear, will we need NFC-enabled ATMs to keep access to cash alive?<\/p>\n\n\n\n

The cashless tipping point<\/strong><\/h2>\n\n\n\n

According to UK Finance\u2019s UK Payment Markets 2025 report<\/a>, cards now account for around two-thirds of all payments in the UK. Cash, once king, has slipped below 10% \u2013 fewer than one in ten transactions. Over half of UK adults now contactless payments, including both plastic cards and mobile wallets such as Apple Pay or Google Pay.<\/p>\n\n\n\n

The Bank of England<\/a> says cash won\u2019t die out any time soon, but it\u2019s hard to ignore the direction of travel. Every tap of a card or phone accelerates the shift.<\/p>\n\n\n\n

Why cash still matters<\/strong><\/h2>\n\n\n\n

And yet, we\u2019re not a cashless society \u2013 at least, not officially.<\/p>\n\n\n\n

The Financial Services and Markets Act 2023<\/a> gave the Financial Conduct Authority (FCA) powers to make sure people can still withdraw and deposit notes and coins. Its new Access to Cash Regime<\/a> came into force last September.<\/p>\n\n\n\n

So even as digital payments dominate, the UK is deliberately keeping cash alive \u2013 not for nostalgia, but for resilience and inclusion.<\/p>\n\n\n\n

Because while most of us can pay with a tap, around 5% of adults still have no internet access, and many more are what Ofcom calls \u201cdigitally disadvantaged\u201d<\/a> \u2013 they\u2019re online, but lack confidence or skills.<\/p>\n\n\n\n

Cash also serves as a fallback when the technology fails. Power cut, network outage, or card terminal on the blink \u2013 the humble \u00a310 note still works.<\/p>\n\n\n\n

Emotional value<\/strong><\/h2>\n\n\n\n

Then there\u2019s the emotional side.<\/p>\n\n\n\n

The Bank of England points out that many people prefer cash for budgeting \u2013 physically seeing money leave your hand is more tangible than a number on a screen.<\/p>\n\n\n\n

There\u2019s also the matter of privacy. Every card transaction leaves a digital trail; cash doesn\u2019t. For some, that\u2019s reason enough.<\/p>\n\n\n\n

The cost question<\/strong><\/h2>\n\n\n\n

One argument that keeps popping up is the cost of card payments. Some businesses still cite high processing fees, especially for low-value sales. Others quietly admit that banking and securing cash costs money too.<\/p>\n\n\n\n

And it\u2019s rare to find a truly \u201ccash-only\u201d business these days. In a 2020-21 survey by HMRC, only 1% of small businesses described themselves as cash-only<\/a>.<\/p>\n\n\n\n

The \u201ccash only\u201d question<\/strong><\/h2>\n\n\n\n

That 1% does make me raise an eyebrow though.<\/p>\n\n\n\n

Whenever I see a \u201ccash only\u201d sign, I can\u2019t help wondering whether every pound is being reported to His Majesty’s Revenue and Customs. It\u2019s probably unfair \u2013 there are genuine reasons for preferring cash \u2013 but the association is hard to shake.<\/p>\n\n\n\n

HMRC\u2019s own research shows some tradespeople see \u201ccash jobs\u201d as unlikely to be caught. Maybe that says more about culture than crime, but it lingers in the background.<\/p>\n\n\n\n

Should we mourn the loss of cash?<\/strong><\/h2>\n\n\n\n

Personally, I don\u2019t think so.<\/p>\n\n\n\n

I like the convenience of digital payments, the security of not carrying notes, and the way my wallet has quietly become redundant. The only time I use cash regularly now is at the local market, where some of the traders are cash-only and others just prefer it. Ironically, I still have some euros in my wallet, but rarely any pounds!<\/p>\n\n\n\n

But I do think we need to protect choice. A fully digital economy can\u2019t leave behind those who aren\u2019t ready, able or willing to join it.<\/p>\n\n\n\n

The regulators seem to agree. Access to cash is now a legal right, even if accepting it isn\u2019t.<\/p>\n\n\n\n

Reflection<\/strong><\/h2>\n\n\n\n

Forgetting my wallet was a small thing, but it made me stop and think about how quickly we\u2019ve moved from contactless cards to contactless lives. And as much as I enjoy the convenience of paying with a phone, maybe we should all keep a few notes for emergencies<\/a>. <\/p>\n\n\n\n

Featured image: created by ChatGPT<\/em><\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Yesterday I left the house without my wallet. Once upon a time that would have been a disaster \u2013 but it didn\u2019t matter in the slightest. I had my iPhone. My Apple Wallet held my train tickets and my virtual payment cards, and everything just worked. 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During a career spanning more than two decades, Mark has gained widespread recognition as an expert in his field including both industry and national press exposure. In addition to certifications from Microsoft, VMware, Red Hat, The Open Group and Axelos, Mark held a Microsoft Most Valuable Professional (MVP) award for three years and is now part of the MVP Reconnect programme. 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I also kept bumping up against some bizarre (non) efforts at \"digital transformation\", courtesy of Standard Life (abrdn), Costco and the UK Government. This week's highlights included: Adapting David Clark and Sophie Marshall's \"Simple Stack\" diagram\u2026","rel":"","context":"In "Technology"","block_context":{"text":"Technology","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/technology"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":742,"url":"https:\/\/www.markwilson.co.uk\/blog\/2005\/03\/phishing-and-wider-issue-of-identity.htm","url_meta":{"origin":9211,"position":1},"title":"Phishing and the wider issue of identity theft","author":"Mark Wilson","date":"Tuesday 29 March 2005","format":false,"excerpt":"Phishing worries me. In fact, identity theft in general is one of my major concerns (and is the reason I refuse to do any more business with Halifax Bank of Scotland, one of the UK's largest banks, who will not respond to letters or e-mails requesting that they remove my\u2026","rel":"","context":"In \"Security\"","block_context":{"text":"Security","link":"https:\/\/www.markwilson.co.uk\/blog\/tag\/security"},"img":{"alt_text":"","src":"http:\/\/www.tqlkg.com\/image-1875354-8132995","width":350,"height":200},"classes":[]},{"id":675,"url":"https:\/\/www.markwilson.co.uk\/blog\/2006\/07\/microsofts-digital-identity-metasystem.htm","url_meta":{"origin":9211,"position":2},"title":"Microsoft’s digital identity metasystem","author":"Mark Wilson","date":"Monday 17 July 2006","format":false,"excerpt":"After months of hearing about Windows Vista eye candy (and hardly scraping the surface with anything of real substance with regards to the operating system platform), there seems to be a lot of talk about digital identity at Microsoft right now. A couple of weeks back I was at the\u2026","rel":"","context":"In \"Microsoft\"","block_context":{"text":"Microsoft","link":"https:\/\/www.markwilson.co.uk\/blog\/tag\/microsoft"},"img":{"alt_text":"","src":"http:\/\/www.tqlkg.com\/image-1875354-8132995","width":350,"height":200},"classes":[]},{"id":5079,"url":"https:\/\/www.markwilson.co.uk\/blog\/2013\/12\/collecting-train-tickets-at-the-station-seems-it-doesnt-matter-where-you-are.htm","url_meta":{"origin":9211,"position":3},"title":"Collecting train tickets at the station? Seems it doesn’t matter which station you select…","author":"Mark Wilson","date":"Monday 9 December 2013","format":false,"excerpt":"At least once a month, I travel to Manchester for work. I tend to use the train, rather than drive because: it's pretty straightforward; I can work on the journey; and I'm not so tired at the other end (although having the car with me can be more flexible at\u2026","rel":"","context":"In "Technology"","block_context":{"text":"Technology","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/technology"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1093,"url":"https:\/\/www.markwilson.co.uk\/blog\/2008\/06\/so-much-for-apacs-faster-payments-its-easier-to-write-a-cheque.htm","url_meta":{"origin":9211,"position":4},"title":"So much for APACS’ Faster Payments… it’s easier to write a cheque","author":"Mark Wilson","date":"Thursday 12 June 2008","format":false,"excerpt":"In recent weeks, I've come to the conclusion that the UK banking system is in chaos. New technology is great - I just wish that the banks could get it working properly. On 27 May 2008, APACS, the UK payments association launched its new Faster Payments service. Faster Payments -\u2026","rel":"","context":"In "Waffle and randomness"","block_context":{"text":"Waffle and randomness","link":"https:\/\/www.markwilson.co.uk\/blog\/topic\/inane-waffle"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":7335,"url":"https:\/\/www.markwilson.co.uk\/blog\/2017\/12\/weeknote-7-traffic-snow-and-an-awesome-party-week-49-2017.htm","url_meta":{"origin":9211,"position":5},"title":"Weeknote 7: Traffic, snow and an awesome party (Week 49, 2017)","author":"Mark Wilson","date":"Sunday 10 December 2017","format":false,"excerpt":"Another week means another weeknote and this one finished on a high because last night was the risual Christmas Party! risual does Christmas parties rather well and I won't go into the details here but suffice to say, a good time was had. 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