The 2020 Health of Cash Study is the fifth annual examination of US consumer payment habits sponsored by Cardtronics. The study provides analysis of day to day usage, bill payment, remittance, and P2P activity providing a holistic view of where cash usage is changing in the United States. 

This research report was independently produced by Javelin Strategy & Research. Javelin Strategy & Research maintains complete independence in its data collection, findings, and analysis.


The consumer data in this report was collected from a 20-minute online survey of 2,500 respondents, conducted in September 2019. Respondents in the study were representative of the U.S. population over the age of 18 in terms of various demographics such as age, gender, and income. The overall margin of error is +/-1.96% at the 95% confidence level for questions answered by all respondents.