As I outlined in my previous blog, we have seen a rapid movement to card channel payments as cash usage has declined during the pandemic. In the UK, as early as April this year cash withdrawals had declined by 60% (according to the UK Government) - mainly due to a combination of people staying indoors and being unable to use cash for payments, as well as reports of the risk of virus transmission by handling cash (something that the World Health Organisation has advised may not necessarily be the case).