Buskers with digital codes, school canteens with no cash!! Physical cash is on its way out!! The Reserve Bank of Australia (RBA) has declared that currency was likely to become a “niche payment” used only in emergencies. Is this the most “Costless Payment Solution?”Train Commuters now pay for their travel using their credit/debit cards. Those relying on Cash donations (such as charities, the homeless) are facing a technology-driven issue- not of their own fault. Charities such as The Salvation Army have implemented EFTPOS Terminals to counteract this change in their fund-raising environment. Is this the most “Costless Payment Solution” for them? Small Charities are known to struggle with the transaction fees on donations, some are charged 2.2% (22 cents on a $10 donation). This certainly mounts up over a year. An estimated $6 billion goes missing every year through the “black economy” (most of it cash). With this progressive adoption of electronic payment solutions and less cash ‘deals’, may result in increased tax revenues and ultimately more spending on services for the needy in our community. How are these changes affecting you, your family, and your business?