New data showing that nine in ten mobile wallet users now have their debit card loaded as the default payment method might look, at first glance, like a story for the fintech trade press rather than the property pages. It is not. The pace and pattern of Britain's shift away from cash — now slowing after years of rapid decline, even as mobile payments continue to climb — has direct and measurable consequences for landlords, retail investors, and the commercial property market that underpins the UK's high streets, shopping centres and build-to-rent portfolios.