In previous studies, the authors have clarified that cashless payment penetration in Japan is lower than in other major countries and that there are problems with contactless credit card transactions with COVID-19. This paper focuses on the UK, where the ratio of cashless payments is higher than in Japan and contactless transactions are also advanced, and performs a comparative analysis of the differences with Japan. As a result, although there are differences in the background of cashless payment, the important points of difference were taken to be "cashless payment fees" and "government involvement in contactless transactions". The authors discussed the need for industry-government-academia collaboration to improve these points in the future.
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