Protection
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Spontaneous spending is likely to rise if the £100 limit on contactless cards is scrapped, academics say.
The government has been urged to "act fast" to protect hundreds of jobs following the cyber attack.
A report from Policy in Practice says awareness, complexity and stigma are the main barriers stopping people claiming.
Its decision comes as the industry says there is a lack of government investment and as the US pressures firms to invest there.
The economy failed to grow following the biggest contraction in manufacturing output for a year.