In February 20I9, CashEssentials hosted a seminar in Athens bringing together central bank researchers, academics as well as payment professionals to further the understanding of cash usage. The presentation will highlight some of the key take-aways that were discussed during the seminar. 1.Cash demand is growing in most markets even though levels of CIC and evolutions vary significantly across countries. 2.Cash is the most widely used payment instrument worldwide but its relative share is declining. 3.Decline in transactional demand is driven by both demand and supply- side factors. 4. Time to reduce frictions on cash payments?