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" ... Thus by cashless, I mean cashless in the Count Zero sense. I mean that cash has ceased to be relevant to monetary policy, become irrelevant to most individuals and vanished from most businesses. As we look to the future, we can begin to ask, quite reasonably, whether developments in digital payment technology and changes in payments and banking regulation will bring us to the point of this kind of cashlessness within, say, a generation. Well, never mind a generation, we’re pretty close to it now as far as I can see. Let’s just say that if you live in Amsterdam, you don’t need cash for the trains and if you live in London you don’t need cash for the coffee shops. No-one is planning or managing this, it’s just happening. ... "