Brexit令英國人少左用現金？

我極之欣賞嘅經濟Blogger JP Koning發現左呢個情況 — Brexit公投後英國現金及硬幣嘅增長率持續下降，甚至錄得淨額減少嘅情況：

點解會咁？Koning諗左幾個解釋，例如最傳統嘅電子交易普及、英倫銀行推出左新嘅膠鈔，甚至Brexit令新移民減少而新移民嘅現金需求又偏高；但Koning認為呢幾個原因都唔係太可靠，最後佢指出現金增長減慢嘅成因，可能係最簡單嘅 Reversion to mean:

Brexit前英國人嘅現金需求，可能因為避險需求高左而上升；公投之後憂慮情緒下降就令現金需求減少，所以英倫銀行回收嘅現金就愈黎愈多。

JP Koning 全篇網誌都好好睇，各位好應該去睇晒成篇：

Did Brexit break the banknote?

Nations never experience year-over-year declines in cash in circulation. Sweden (which I wrote about here, here, and here) is one of the rare exceptions. India is another, but this was due to its notorious botched demonetization attempt (which I wrote about here, here, here, and here).