Economics Professor at the University of NSW Richard Holden joined 3AW Mornings and thinks the nation will be "functionally" cash-free 

Economics Professor at the University of NSW Richard Holden joined 3AW Mornings and thinks the nation will be "functionally" cash-free

Listen to the best bits of 3AW Mornings & exclusive interviews here - and don't forget to tune in live between 8.30am and midday. [http://www.3aw.com.au/](http://www.3aw.com.au/)

Listen to the best bits of 3AW Mornings &amp; exclusive interviews here - and don't forget to tune in live between 8.30am and midday. [http://www.3aw.com.au/](http://www.3aw.com.au/)

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