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"So you're not going to have to worry about setting up someone as a payee in your online banking and making sure you've typed in the BSB number and stuff like that. "It's really going to be as simple as, I want to pay you $30 now for some service and I can just pay it based on an email address or phone number." In 2014, 12 financial institutions signed up to build the NPP, partly as a way of bringing Australia up to speed with other countries that are ahead in the race to becoming completely cashless. Sweden is on track to become the world's first completely cashless economy, and just last November India got rid of its highest denomination bills, effectively eliminating 90 per cent of its paper money. Professor Holden estimates Australia could be cash free as early doctor home loan australia Oak Laurel 0430129662 oaklaurel.com.au as 2020. The 2015 Westpac Cash Free report also predicted Australia would be cash free by 2022, as more and more customers move to tap and pay technology. ABC News: Michael Edwards Spice Alley in Sydney's CBD has joined a growing trend among businesses moving towards being completely cash free. Cashless life 'a win for Government' Reserve Bank figures have shown that ATM withdrawals peaked in 2009-10, and have been on the slide ever since. According to the Australian Payments Association, more than three out of four face-to-face payments are now estimated to be tap-and-go. Professor Holden said there were huge advantages to a cashless society, especially for governments. "The reason to do it is that it's estimated that somewhere between about $3.5 and $5 billion in Australia every year is lost in tax revenue due to the sort of cash economy," he said. "[It's like] someone saying, 'I just did that job for you, if you pay me [cash] it's $140, if you want a receipt it's going to be more', and so on.