• 91% of UK adults have a contactless-enabled card; 95% have used it at least once .
• 63% use contactless weekly, 17% daily; younger adults drive daily use (25% of 18–34s).
• Nearly 40% unaware of the £100 limit; many younger adults think it is £45, £60, or unlimited.
• Security concerns, trust in PIN, and preference for cash remain key barriers; vulnerabilities (financial, health) amplify fears.
• 59% of users think £100 is the right limit; 45% would lower their personal limit if possible.
• Consumers support PIN entry after ~8 consecutive payments; most agree step-ups are necessary.
• Mobile contactless adoption: 44% registered cards on devices, rising to 69% among 18–34s.
• Confusion over mobile limits: only 10% correctly know there is no upper limit; most assume £100 applies.