Here in New Zealand over 60% of retail payments are done using cards, especially as the local EFTPOS system is very low fee compared to credit card. I can't rec

Here in New Zealand over 60% of retail payments are done using cards, especially as the local EFTPOS system is very low fee compared to credit card. I can't recall the last time I had to use cash. There's still a few small cash-only vendors, but mostly those without a fixed location as mobile EFTPOS terminals cost more to run. It's very convenient, there's no need to keep receipts to record my spending. No cheques means no chequebook to balance. Of course it does make spending more traceable but given the police need a court order to get banking records I'm not too worried currently. Vendors can track you using the number if their POS records it, but it's hard to get a POS approved so most people use a sealed terminal with a serial interface to connect to the POS. Cash isn't going away any time soon, but it's just a pain to carry around.