According to Julian Harding, Scheme Development Manager for NWB's Mondex UK unit, "the challenge lay not so much in getting people to use the card, it's getting the card in their hands." But Harding felt that the consumer proposition was maturing:
Initially our logo was 'Mondex is Cash is Mondex is Cash...' Today, the consumer needs a richer understanding of the features of the card. The card is more than cash but it is also different than either a credit or debit card.