Switzerland Grapples with Digital Exclusion as Cashless Society Gains Momentum

Lucerne, Switzerland – A growing trend towards cashless transactions in Switzerland is raising concerns about the digital exclusion of certain segments of the population, particularly the elderly and those without access to digital payment methods. While digital payments like TWINT and credit cards are becoming increasingly prevalent across the country, a significant portion of the population remains reliant on cash, leading to challenges in accessing essential services.

The Rise of Digital Payments

From art museums and train station shops to Christmas markets and public transportation, more businesses and services in Switzerland are opting for card or mobile payments only. TWINT, Switzerland’s popular payment app, is facilitating a significant portion of these transactions, allowing users to pay, send money, and purchase tickets seamlessly. In 2024, approximately 74% of tickets were purchased digitally, with only 2% from chauffeurs, highlighting the shift away from traditional payment methods. This trend is further evidenced by the disappearance of one in eight ATMs since 2020.

Digital Exclusion and its Impact

Despite increasing internet usage among older generations – rising from 38% in 2010 to 89% in 2025, according to a Pro Senectute study – a segment of the population, especially those over 85, remains offline. Individuals like 82-year-traditional Verena Kundert, who struggle with digital interfaces, are finding it increasingly difficult to participate fully in society. This exclusion extends to accessing public transport, purchasing goods at markets, and even visiting cultural institutions.

Public Backlash and Political Response

The move towards a cashless society hasn’t been without resistance. The Kunsthaus Zurich faced protests after implementing a card-only policy, acknowledging the “symbolic and emotional dimension” of the issue. Similarly, the Lucerne Art Museum temporarily reversed its decision to require digital payments. Graubünden pensioner Berta Caminada spearheaded an online petition against the removal of cash payments on post buses, gathering over 8,000 signatures.

The issue has also gained political traction. The cantonal parliament in Geneva has mandated that restaurants, hotels, and entertainment establishments continue to accept cash. A motion in the Federal Parliament, proposed by National Councilor Manuela Weichelt (Greens, ZG), seeks to ensure that all subsidized transport companies accept cash or a simple alternative like a prepaid card. The canton of Lucerne is proactively addressing the issue by covering the additional costs (approximately 45,000 francs annually) for the Bernese train and bus company BLS to maintain cash payment options at ticket machines.

The Dreilinden Tunnel and Lucerne Station Expansion

These discussions around payment methods are occurring alongside a massive infrastructure project in Lucerne. Swiss Federal Railways (SBB) is undertaking a 3.3 billion franc project to expand Lucerne Main Station, including the construction of a new underground station, a 3.5-kilometer tunnel under Lake Lucerne, and a 2.1-kilometer connecting tunnel. The Dreilindentunnel, a key component of this expansion, will be the first immersed tunnel in the Alps, designed to reduce bottlenecks and delays in the Swiss rail network. This project aims to increase capacity and shorten travel times, accommodating the approximately 100,000 people and 700 trains that use the station daily.

Looking Ahead

While Switzerland continues to embrace digital payment solutions, the growing awareness of digital exclusion is prompting a reevaluation of the balance between convenience, and inclusivity. The ongoing debate and political initiatives suggest a move towards ensuring that cash remains a viable payment option, safeguarding the participation of all citizens in Swiss society. The future likely holds a hybrid approach, where digital payments are readily available but not at the expense of those who rely on cash.