A war of words between the banking sector and its regulator over how much New Zealanders want cash.  

The Reserve Bank's proposing opening more branches and hubs to provide cash services, costing the sector $104 million a year.  

It says cash continues to play an essential role for small businesses and communities.  

But Banking Association Chief Executive Roger Beaumont told Mike Hosking customers are moving towards digital payment methods.  

He says they're using apps or online banking, rather than going to punch in a pin at an ATM to buy an icecream from the dairy. 

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