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Arul Mishra, an assistant professor of marketing at the University of Utah, who studied this phenomenon for the Journal of Consumer Research, made a further interesting observation: people are less likely to spend if they are carrying a £50 note compared to when they have ten £5 notes because they are reluctant to break into a bigger note.The latest figures — for September — show that £253 million was spent this way in Britain, according to the trade body, the UK Cards Association.Contactless debit or credit cards allow you to pay for items worth up to £20 without entering your PIN (personal identification number).Barclaycard is one of the pioneers and is even working on 'his and hers' versions of the gloves, with the women's version having a softer, more 'fleecy' appearance.The fact is that use of contactless technology is increasing every month.