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be in circulation 流通
Metal was first coined into cash between 700 and 600 BC by the Lydians, and banknotes have been in circulation since their first use in China around 1000 AD.公元前700年至公元前600年，吕底亚人首次将金属铸造成货币，公元1000年左右，纸币首次在流通。
a wad of notes一叠钞票
Modern technology means that while money is still widely used, it's more likely to be a digital transaction than a wad of notes and a handful of shrapnel.随着现代科技进步，虽然货币仍然被广泛使用，但它更可能是以一种数字交易形式，而不是一叠钞票和一把零钱 。
tangible currency有形货币
is in decline越来越少
In the UK, the use of tangible currency is in decline.在英国，有形货币的使用越来越少。
the most popular way to stump up受欢迎的支付方式
Last year, for the first time ever, the use of debit cards and contactless payments became the most popular way to stump up.去年，借记卡和非接触式支付首次成为受欢迎的支付方式。
rural areas with poor internet connectivity互联网连接较差的农村地区
Those living in rural areas with poor internet connectivity and people who have physical or mental health issues are among those that find it difficult to use digital services.主要是一些生活在互联网连接较差的农村地区的人，以及不便使用数字服务的有身体或心理健康问题的人。

become commonplace普及
Not yet it would seem, though as more technological solutions to payment, such as smart watches, become commonplace, its use is likely to decline more.虽然随着如智能手表等支付技术的普及，现金的使用可能会进一步减少，但目前看来还不会彻底消失。
get their money's worth钱花得物有所值
What's important is, the report concludes, to put in place infrastructure to ensure that those who still need to pay the good, old-fashioned way can get their money's worth.
报告的结论是，重要的是建立基础设施，以确保那些仍然需要用传统方式支付的人能够把钱花得物有所值。