In addition, this would raise serious financial inclusion issues as not all people today can use computers or operate smartphones. In short, while I can very well envisage a world without cash, I view it as the outcome of changing technologies and social perceptions, not of policy prescriptions.
If I were to issue an employer’s reference for members of the Advisory Group – which fortunately I do not have to do because I expect you to continue to support our work! – I would write that the AG has fulfilled its mandate, which is the delivery of the user requirements, to our complete satisfaction.