Ann: Investor Update, page-22

Lifted with apologies from a poster on Topstock, 'Hoonose', credit and thanks to him

'The growth in shoppers swiping, inserting or tapping cards has slowed markedly since April. And while using a credit or debit card to pay for a coffee, a pair of shoes or a movie ticket remains incredibly popular, the rate of growth of cashless transactions has actually halved in the last 2 years - from its peak of 12% growth in 2015 to under 6% this year.
The slowdown is likely to continue as the penetration of contactless payment systems reaches its limits, reflecting minimum spending requirements for cashless transactions, and some merchants who deal only in cash'