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Still incredibly high.. What might be the reason for a branch visit if you use Internet?

Cash handling is costin merchants 50bn€/year. The consumer is paying every cent of it - should be made aware of it. Unfair that card and mobile payers have to participate in the cost.

Cash usage in shops is anyway dwidnling - and grey economy as well

Mystery - has something to do with x-border exports..

Cash withdrawals and usage has been falling steeply for many years already in Finland - and with mobile payments there will be better balance control > even faster decline ahead. Central bank stats here: https://www.suomenpankki.fi/en/Statistics/payments-statistics/tables/

Sad. Some years ago there was an estimate by EU that the cost to merchants for handling cash amounts to 50billion every year. Of course the consumer pays every cent of this - but does he/she know it?

Real time e-invoicing > real time payments + real time e-receipts in same format from POS to same e-address = automated real time accounting + automated real time VATreporting etc etc. Cheques - forget it....

Nothing is free. Cheques appear to be free - because the costs are not charged transparently.

That is the problem - the expensive one appears free - but of course the consumer pays every cent in some way. In the past banks made tons of money on the float - but now it is probably small

Customers do not know what they do not know.. that cheques can be replaced by real time payments - and billions on money wasted on cheques - and they pay every cent