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	<title>Counting On Currency &#187; Editorial</title>
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	<description>a resource for cash supply chain management professionals</description>
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		<title>Nationwide prohibits small in-branch cash withdrawals – Expected gripes ensue</title>
		<link>http://countingoncurrency.com/wp/2010/04/29/nationwide-prohibits-small-in-branch-cash-withdrawals-%e2%80%93-expected-gripes-ensue-2/</link>
		<comments>http://countingoncurrency.com/wp/2010/04/29/nationwide-prohibits-small-in-branch-cash-withdrawals-%e2%80%93-expected-gripes-ensue-2/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 12:30:44 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[branch]]></category>
		<category><![CDATA[currency management]]></category>
		<category><![CDATA[Nationwide]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2728</guid>
		<description><![CDATA[A couple of weeks ago Nationwide Building Society in the UK announced that it would prohibit cash withdrawals of less than £100 in the teller queue at the branch.  This ban affected only holders of accounts that included an ATM or debit card, point being that these are customers that could just as easily get their cash from the ATM as in the branch. ]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2010/04/29/nationwide-prohibits-small-in-branch-cash-withdrawals-%e2%80%93-expected-gripes-ensue-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Death By A Thousand Cuts</title>
		<link>http://countingoncurrency.com/wp/2010/04/26/death-by-a-thousand-cuts/</link>
		<comments>http://countingoncurrency.com/wp/2010/04/26/death-by-a-thousand-cuts/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 12:00:09 +0000</pubDate>
		<dc:creator>Astrid Mitchell</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[cashless]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[death of cash]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2695</guid>
		<description><![CDATA[The recent report by the Payments Council – the body responsible for setting the strategy for payments in the UK - should be a wake-up call to us all in the currency industry. Although the report covers the UK only, it is a trend that is typical of payment systems in many countries around the world. In summary, it documents a decline in the use of cash in the last decade and forecasts a further decline, detailing changes that have been taking place gradually, but steadily. Is this a case of ‘death by a thousand cuts?’ And, if so, is there anything we can do about it?]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2010/04/26/death-by-a-thousand-cuts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Multichannel integration and currency management – Are they close cousins?</title>
		<link>http://countingoncurrency.com/wp/2010/03/09/multichannel-integration-and-currency-management-%e2%80%93-are-they-close-cousins/</link>
		<comments>http://countingoncurrency.com/wp/2010/03/09/multichannel-integration-and-currency-management-%e2%80%93-are-they-close-cousins/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 13:30:04 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[Spare Change]]></category>
		<category><![CDATA[branch]]></category>
		<category><![CDATA[currency management]]></category>
		<category><![CDATA[multichannel integration]]></category>
		<category><![CDATA[self-service]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2369</guid>
		<description><![CDATA[I’m currently working on a body of research about multichannel integration and to be honest, I wasn’t initially thinking about the currency management implications.  At the same time that I’ve been working on multichannel research, we’ve been talking a lot about the TowerGroup Top 10 which lays out the top business drivers, strategic responses and technology initiatives that banks are focusing on in 2010.  Finally one day the light bulb came on and I started thinking about where currency management fits within both multichannel integration and increasing self-service adoption. ]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>It Just Feels Funny</title>
		<link>http://countingoncurrency.com/wp/2010/03/05/it-just-feels-funny/</link>
		<comments>http://countingoncurrency.com/wp/2010/03/05/it-just-feels-funny/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 13:00:09 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Collectibles]]></category>
		<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[paradigm shift]]></category>
		<category><![CDATA[technology]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2346</guid>
		<description><![CDATA[Having been involved in the currency handling business for many years and having experience in many countries means that I have had the opportunity to handle many different kinds of "paper" money. I placed the word paper in parentheses for a reason, because in today's world not all currency is made of paper. Australia started the trend away from paper/cotton based currency a few years ago. They were followed by Mexico and a handful of other countries. Now Canada is joining the ranks.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Cost of Cash</title>
		<link>http://countingoncurrency.com/wp/2010/02/24/the-cost-of-cash/</link>
		<comments>http://countingoncurrency.com/wp/2010/02/24/the-cost-of-cash/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 13:30:13 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[bank fees]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[cash management]]></category>
		<category><![CDATA[currency]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2264</guid>
		<description><![CDATA[Recently an associate sent me an article regarding the relative "cost" of different retail payment media - credit cards, debit cards and cash. While the article (reprinted below) makes a convincing argument for cash discounts, it neglects to understand or incorporate the real cost of cash in society. I am sure those of you reading this post will agree with me that there are hidden costs of cash that most of society never sees or thinks about. So, what is the cost of cash?]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Currency Supply Chain Optimization and Yield Management</title>
		<link>http://countingoncurrency.com/wp/2010/01/26/currency-supply-chain-optimization-and-yield-management/</link>
		<comments>http://countingoncurrency.com/wp/2010/01/26/currency-supply-chain-optimization-and-yield-management/#comments</comments>
		<pubDate>Tue, 26 Jan 2010 13:30:12 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[cash in circulation]]></category>
		<category><![CDATA[cash management]]></category>
		<category><![CDATA[confidence]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[fitness]]></category>
		<category><![CDATA[paradigm shift]]></category>
		<category><![CDATA[Pet Project]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=433</guid>
		<description><![CDATA[To tie the concepts of optimization and yield together as it refers to currency we need to understand the need for money. Without some form  of money we would have no way to trade. Without trade we would have no commerce and without commerce we would have no way to better our station in life. Betterment of our situation is as fundamental to the human condition as breathing - we all want to succeed and make a better life for our communities (communities of family, friends, neighbours, countrymen, etc.). Therefore the faster we can make money move the more opportunity we have to profit from that movement.]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2010/01/26/currency-supply-chain-optimization-and-yield-management/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Cash Becoming Obsolete?</title>
		<link>http://countingoncurrency.com/wp/2010/01/20/is-cash-becoming-obsolete/</link>
		<comments>http://countingoncurrency.com/wp/2010/01/20/is-cash-becoming-obsolete/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 13:30:42 +0000</pubDate>
		<dc:creator>Brendan Burge</dc:creator>
				<category><![CDATA[Collectibles]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[cashless]]></category>
		<category><![CDATA[currency]]></category>
		<category><![CDATA[death of cash]]></category>
		<category><![CDATA[paradigm shift]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2085</guid>
		<description><![CDATA[I have always been a bit of a Luddite when it comes to the prevalence of cash as the favoured payment medium for most common "everyday" transactions. It is simple, inexpensive and anonymous. For these reasons and others I have always maintained that cash will remain king at least through my lifetime. However, the presenter of this speech Mr. Douglas Rushkoff makes some very interesting observations about the origins of cash...]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2010/01/20/is-cash-becoming-obsolete/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Mobile Transfers – Will They Live Up to the Hype?</title>
		<link>http://countingoncurrency.com/wp/2010/01/15/mobile-transfers-%e2%80%93-will-they-live-up-to-the-hype/</link>
		<comments>http://countingoncurrency.com/wp/2010/01/15/mobile-transfers-%e2%80%93-will-they-live-up-to-the-hype/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 13:30:43 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[contactless]]></category>
		<category><![CDATA[mobile]]></category>
		<category><![CDATA[mobile transfers]]></category>
		<category><![CDATA[P2P]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=2056</guid>
		<description><![CDATA[On January 6, American Banker published an article entitled Mobile Transfers Taking Aim at Cash Payments.  I suppose that one could start a “cash threat” list by adding mobile P2P transfers to contactless payments.  P2P transfers are an extremely useful tool and are already in place in much of the world – and not just via PayPal.  There are two primary issues to be worked out.  The first is determining which accounts to use to move money.  The second issue is pricing.  There has been a lot of talk about the tolerance of consumers to pay for P2P transfers.  I believe that this is wishful thinking.     ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Parting Thought on the FDIC Study….and 2009</title>
		<link>http://countingoncurrency.com/wp/2009/12/21/parting-thought-on-the-fdic-study%e2%80%a6-and-2009/</link>
		<comments>http://countingoncurrency.com/wp/2009/12/21/parting-thought-on-the-fdic-study%e2%80%a6-and-2009/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 13:30:08 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[Policy]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[unbanked]]></category>
		<category><![CDATA[underbanked]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1973</guid>
		<description><![CDATA[So you’ve heard me rail on about the unbanked and underbanked for the last couple of weeks and I’m not quite ready to let it go.  In addition to outlining the results of the FDIC study, I’d also like to give one final thought on what we as banks do about it.]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Underbanked – Are we making cross-selling efforts or are they just not working?</title>
		<link>http://countingoncurrency.com/wp/2009/12/14/the-underbanked-%e2%80%93-are-we-making-cross-selling-efforts-or-are-they-just-not-working/</link>
		<comments>http://countingoncurrency.com/wp/2009/12/14/the-underbanked-%e2%80%93-are-we-making-cross-selling-efforts-or-are-they-just-not-working/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 13:30:28 +0000</pubDate>
		<dc:creator>Nicole Sturgill</dc:creator>
				<category><![CDATA[Current]]></category>
		<category><![CDATA[Editorial]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Of Interest]]></category>
		<category><![CDATA[check]]></category>
		<category><![CDATA[FDIC]]></category>
		<category><![CDATA[money order]]></category>
		<category><![CDATA[payday loan]]></category>
		<category><![CDATA[refund anticipation loan]]></category>
		<category><![CDATA[remittance]]></category>
		<category><![CDATA[unbanked]]></category>
		<category><![CDATA[underbanked]]></category>

		<guid isPermaLink="false">http://countingoncurrency.com/wp/?p=1930</guid>
		<description><![CDATA[The FDIC study – take two.  In my last post, I focused on the unbanked and some misconceptions about that group.  Today I’d like to focus on the underbanked -- those households that have a deposit account but rely on non-bank financial services.  These are households that are already bank customers but are also using alternative financial services (AFS).  The FDIC study provides great insight into what those AFS products are – good information for a bank that’s looking to improve cross-sales to existing clients.]]></description>
		<wfw:commentRss>http://countingoncurrency.com/wp/2009/12/14/the-underbanked-%e2%80%93-are-we-making-cross-selling-efforts-or-are-they-just-not-working/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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