Once again, New Zealand is ahead of the curve. Banks have not been accepting cheques since mid 2021. There was no fuss here when that happened. Cash is still being used uninterrupted but very few people actually use it. More & more often I get strange comments when I pull cash out of my wallet to pay. We are ripe as a country for the controllers to end cash. One problem they face is that there is a sizeable portion of the cash in circulation that is unaccounted for. I wonder where that cash could possibly be?