The transition to digital payments is an ongoing trend, yet cash remains important for a substantial and diverse group of individuals. This emerges from our study using rich payment diary data of Dutch consumers. 7% of the respondents say they always use cash at points of sale and 28% indicate they cannot do without cash. Cash is especially important for people with low digital literacy, people who are blind or visually impaired, people with limited or no hand function, people with a mild intellectual disability and people who find it difficult to make ends meet on their income.

paper co-authored with Jelmer Reijerink