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A 2022 academic study examined financial exclusion in the UK as cash infrastructure declines.
It found that while exclusion isn’t strictly tied to deprivation, certain deprived communities face barriers due to poor cash access, low car ownership, and connectivity issues.
Policy recommendations include community‑based digital adoption and converting cash machines to cash recyclers.
These insights underline that moving too fast into a cashless society could leave vulnerable UK demographics behind. 




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