Get in touch, here is the news. Retail sales fell more than expected last month partly because of the wet weather. The office for National Statistics say they were down by 1. 2 in july. Statistics say they were down by 1. 2 injuly. More than a quarter of sales for online, the highest level since february last year. The treasury has told banks and Building Societies they will be fined if they dont provide sufficient access to cash. Free cash withdrawal should be available three miles in rural areas and one mile with in urban areas. The system to allocate Liver Transplant is weighted to much towards older people. Figures show younger people are waiting four times longer on average than those over 60. The nhs said its Computer Algorithm saves lives. The top official on maui has resigned. He says he is stepping down for health reasons. He has been criticised in the wake of the wildfires which have killed 111 people. Residents of maui has had a stronger response would have saved lives. We are using cash right now, but until when . We are using cash right now, but untilwhen . I we are using cash right now, but until when . I would we are using cash right now, but untilwhen . Iwould imagine we are using cash right now, but until when . I would imagine the first out of the traps on this one will be the cash community, those who will bestow lots in defending cash and arguing for its continuation. Let me tell you some stuff. The fears are, the uk is at risk of sleepwalking into a Cashless Society, i quote one report, before it is ready. Alternative payment methods, according to another report, may make cash obsolete by 2026. That report also says the cost of running a network of atms is £5 billion, but falling demand all the time for cash, is making the machines less economical to run, as i was mentioning there. And atms are closing at a rate of approximately 300 and month. An average of more than 50 uk Bank Branches have closed each month since 2015. Delighted to say we have the chairman of the governments independent access to cash review and felicity hannah, a business reporter. The host of five lives formidable and wonderful show, wake up to many. Wake up to many, for how much longer . Show, wake up to many. Wake up to many, for how much longer . Waking up to contactless many, for how much longer . Waking up to contactless. Waking many, for how much longer . Waking up to contactless. Waking up many, for how much longer . Waking up to contactless. Waking up to many, for how much longer . Waking up to contactless. Waking up to cash, to contactless. Waking up to cash, how much longer . To contactless. Waking up to cash, how much longer . It to contactless. Waking up to cash, how much longer . It is to contactless. Waking up to cash, how much longer . It is an to contactless. Waking up to cash, l how much longer . It is an important cuestion how much longer . It is an important question and how much longer . It is an important question and there how much longer . It is an important question and there are how much longer . It is an important question and there are fewer how much longer . It is an important question and there are fewer people j question and there are fewer people using hard cash than ever before. The number of Cash Payments fell by 1. 7 in 2021, people are using cards, contactless and apple pay on their phones. It is a significant shift, 23 Million People didnt use cash at all in 2021, according to uk finance, which represents the banks. As we go about it here, for some people, it is absolutely critical. We are on an inevitable road . It feels like an inevitable road and even the government is recognising that. These rules will adapt as we go on, as more people move over to more contactless, Digital Payments and it is expected the restrictions within the rules, the one mile access to cash in urban areas, three miles in more rural areas, that could shift and expand as fewer and fewer people actually need cash. What the government is trying to ensure is that those who do need it, can get it. Ensure is that those who do need it, can aet it. , ensure is that those who do need it, can aet it. ,. ,. , can get it. Those arguments for a Cashless Society, can get it. Those arguments for a Cashless Society, i can get it. Those arguments for a Cashless Society, i have can get it. Those arguments for a Cashless Society, i have scribbledj can get it. Those arguments for a i Cashless Society, i have scribbled a few down. As i predicted, a lot of people are coming in in defence of cash. Society increasingly digital. You cannot hold back the march of progress, phyllis was pointing that out. If you are mugged and lose your purse, it is easy to cancel cards, it is harder to get your cash back. You can reduce fraud and theft if you have a digitalfootprint. Cash is untraceable, which is useful for criminals. If you are involved in organised crime, get in touch. Less admin for businesses, you dont have to withdraw or manage physical money. And if you start early, Digital Transactions are a way of teaching Young Children about internet banking, Online Transactions and things like investing your money. Paul is in preston, natalie i will be with you, interesting calls, lucy in london. Lucy, you are a busker, good morning, lucy. Lucy, you are a busker, good morning. Lucy lucy, you are a busker, good morning, lucy. Lucy, you are a busker, good mornin , lu. ,. , lucy, you are a busker, good mornina, lu. ,. ,. , morning, lucy. Good morning, i am a busker. Morning, lucy. Good morning, i am a busker what morning, lucy. Good morning, i am a busker. What sort morning, lucy. Good morning, i am a busker. What sort of morning, lucy. Good morning, i am a busker. What sort of stuff morning, lucy. Good morning, i am a busker. What sort of stuff do morning, lucy. Good morning, i am a busker. What sort of stuff do you busker. What sort of stuff do you bust . I am busker. What sort of stuff do you bust . I am a busker. What sort of stuff do you bust . I am a singer busker. What sort of stuff do you bust . I am a Singer Songwriter. Busker. What sort of stuff do you i bust . I am a Singer Songwriter and i la uuitar bust . I am a Singer Songwriter and i play guitar and bust . I am a Singer Songwriter and i play guitar and sing bust . I am a Singer Songwriter and i play guitar and sing some bust . I am a Singer Songwriter and i play guitar and sing some of bust . I am a Singer Songwriter and i play guitar and sing some of my bust . I am a Singer Songwriter and i | play guitar and sing some of my own stuff, some covers, depending on where i am and who is listening. Money, money, money. Money is too tight to mention, a few more. How do you conduct your business at the moment . ,. ,. , moment . Right now i am at edinburgh frinae moment . Right now i am at Edinburgh Fringe festival. Moment . Right now i am at Edinburgh Fringe festival, i moment . Right now i am at Edinburgh Fringe festival, i am moment . Right now i am at Edinburgh Fringe festival, i am busking moment . Right now i am at Edinburgh Fringe festival, i am busking for fringe festival, i am busking for the whole month. With the whole card thing, i have got a card Readerfor Busking for about five to six years, i think. When i first got that, people laughed at me, but i know myself, i dont carry cash any more. So i think you have to adapt with the times. I have seen a big, Big Change Over the past four years, especially post covid, a lot of people dont have cash. I take more payments and card now than i do cash. ,. , payments and card now than i do cash. ,. ,. ,. , cash. Covid was a watershed in so many ways cash. Covid was a watershed in so many ways and cash. Covid was a watershed in so many ways and so cash. Covid was a watershed in so many ways and so many cash. Covid was a watershed in so many ways and so many different| many ways and so many different areas. Is it easierfor people scrabbling in their pockets to throw you a fiver of getting their wallet out and just ten . Have you noticed more business, less business . What about the ease of giving you money when you are singing your wonderful songs . It when you are singing your wonderful sonus . ,. , when you are singing your wonderful sonus . ,. ,. , songs . It is an interesting one. I am normally songs . It is an interesting one. I am normally based songs . It is an interesting one. I am normally based in songs . It is an interesting one. I am normally based in london songs . It is an interesting one. I | am normally based in london and songs . It is an interesting one. I l am normally based in london and i think a lot of people who live in london are used to seeing busker is now with card readers. When i first had one, and actually still now it is more like tourists who have not seen buskers with card ritas and they look at you like you are crazy. Card readers. They are nervous to tipsy sometimes because they think you are dodgy, how can i trace this back . If i get to speak to the people, it is exactly the same as you buying a coffee. Look at the card reader i have, it is the same that people in cafes use. I think it has been more normalised and it is making a big, big difference, the more that other buskers have card ritas and the more that we see in the more normalised it is. Card readers. It still can be difficult convincing people i am not going to steal their bank details, if i knew how to come i probably would, but i dont know. How to come i probably would, but i dont know how to come i probably would, but i dont know i how to come i probably would, but i dont know. I am how to come i probably would, but i dont know. I am just dont know. 0h, ok. I am ust okina. Dont know. 0h, ok. I am ust joking. Andi dont know. 0h, ok. I am ust joking. And ii dont know. 0h, ok. I am ust joking. And i am i dont know. 0h, ok. I am ust joking. And i am nosy i dont know. 0h, ok. I amjust| joking. And i am nosy because i dont know. 0h, ok. I amjust joking. And i am nosy because i am aid to joking. And i am nosy because i am paid to be joking. And i am nosy because i am paid to be. What joking. And i am nosy because i am paid to be. What is joking. And i am nosy because i am paid to be. What is the joking. And i am nosy because i am paid to be. What is the biggest paid to be. What is the biggest amount anyone has ever given you for Singing A Song . This amount anyone has ever given you for Singing A Song . Singing a song . This is also on the card, so Singing A Song . This is also on the card. So thanks Singing A Song . This is also on the card, so thanks to Singing A Song . This is also on the card, so thanks to the Singing A Song . This is also on the card, so thanks to the card Singing A Song . This is also on the | card, so thanks to the card reader, on the underground, actually, a guy asked to tipped me £100. I thought he wasjoking, betty asked to tipped me £100. I thought he was joking, betty asked to tip £100 on my card reader, so that is the biggest tip i have ever had. I bet you sounded great because the acoustics on the London Underground are perfect. You would need the most sophisticated studio to replicative. What is your opinion on this, paul . My what is your opinion on this, paul . My business in the days gone by was predominantly cash. As Contactless Payments and direct transfers, which is what we sort of gets, they became more and more and it is more convenient, people dont have to go to the cash machine. The problem is, at the end of every day i have got to start billing people and start chasing up money. The most difficult thing is chasing up the people who always pay on time. You are checking through and they havent paid, so you are contacting them and they say, i have paid, i have always paid. And you feel like you calling them a liar. Then you check. And you have to say sorry. But it is an hour added to the end of every working day. As a result, i havent done this yet, but several of my fellow colleagues have started saying, we are not taking transfers because the Admin Time Isjust are not taking transfers because the admin time is just too much. Are not taking transfers because the Admin Time Isjust too much. That are not taking transfers because the Admin Time Isjust too much. Admin time is ust too much. That is interesting. Admin time isjust too much. That is interesting, Phyllis Admin Time Isjust too much. That is interesting, phyllis and Admin Time Isjust too much. That is interesting, phyllis and hannah. Admin time isjust too much. That is | interesting, phyllis and hannah. The different kinds of impacts it can have different kinds of impacts it can have on different kinds of impacts it can have on businesses. If you are taking have on businesses. If you are taking your income and cash, you have taking your income and cash, you have got taking your income and cash, you have got to taking your income and cash, you have got to go to the bank, go and deposit have got to go to the bank, go and deposit those coins and those notes. It is deposit those coins and those notes. It is easy deposit those coins and those notes. It is easy to deposit those coins and those notes. It is easy to say it is good for business it is easy to say it is good for business or bad for business, but it depends business or bad for business, but it depends on business or bad for business, but it depends on the business. I was thinking depends on the business. I was thinking when we were listening to the busker, edinburgh and london rely on the busker, edinburgh and london rely on tourism and it is one of the interesting rely on tourism and it is one of the interesting things about going cashless, it is quite difficult for torres cashless, it is quite difficult for torres it cashless, it is quite difficult for torres it is cashless, it is quite difficult for torres. It is easier for them to exchange torres. It is easier for them to exchange their money, bring along notes exchange their money, bring along notes and exchange their money, bring along notes and coins otherwise they can pay more notes and coins otherwise they can pay more in notes and coins otherwise they can pay more in fees because they are using pay more in fees because they are using credit and debit cards and then using credit and debit cards and then you using credit and debit cards and then you pay an extra fee because you are then you pay an extra fee because you are in then you pay an extra fee because you are in another country. All sorts you are in another country. All sorts of you are in another country. All sorts of different ripple effects, not a sorts of different ripple effects, not a clear answer. You sorts of different ripple effects, not a clear answer. Sorts of different ripple effects, not a clear answer. You send your 1� tyearold not a clear answer. You send your 14yearold down not a clear answer. You send your 14yearold down to not a clear answer. You send your 14yearold down to the not a clear answer. You send your 14yearold down to the shops i not a clear answer. You send your 14yearold down to the shops to | not a clear answer. You send your. 14yearold down to the shops to get 14 year old down to the shops to get a pint of milk, here is my credit card i a pint of milk, here is my credit card ~. , a pint of milk, here is my credit card ~. ,. , card i think that is a very good oint. Card i think that is a very good point when card i think that is a very good point. When you card i think that is a very good point. When you pay card i think that is a very good j point. When you pay Somebody Card i think that is a very good i point. When you pay somebody in cash, letsjust point. When you pay somebody in cash, lets just say i get paid point. When you pay somebody in cash, letsjust say i get paid in cash, letsjust say i get paid in cash and you have got to go into the bank and put it in. You dont if he then actually use it to buy my shopping. I will go to the supermarket and use cash. This is where it is quite interesting. If somebody has paid me in cash, the bank dont get any of it. I then take the supermarket and the bank dont get any of it. If you start out with a £50 note and somebody uses that £50 notes, lets say 50 times to do a transaction. At the end of that, that £50 note is still worth £50. If you are doing that contactless, there wouldnt be that much out of the £50 left, the bank would have got that in fees. The bank are pushing to go contactless, it is Money In The Bank for them. Yes, what do you think, give us a call, send us a text. Natalie, i will be with you. Text messages. Nikki, i use cash and apple pie but not everybody will be able to use technology, old people with disabilities, learning disabilities, i doubt cash will completely go. That is from a lady in nottingham. Are we rushing too quickly into a Cashless Society . That is essentially the point. This one, very hard to get receipts when you pay at small shops and pop ups but they have so much info from your card. Yourfull name is on the card, expiry date and some keep the start date. Thi