Going cashless may seem like a simple issue of things like no more cash in birthday cards to piggy banks being a thing of the past, but the issues go deeper, the divides that a cashless society may cause could be a turning point.

Mayada El-Zoghbi, Managing Director for the Center for Financial Inclusion (CFI), an independent U.S. think tank, isn’t thrilled for this future when she spoke to Reuters: “A move to a cashless society will not benefit all groups equally. The groups that are most likely to be excluded will be women, rural communities, and the elderly. In some countries, like the U.S. where a large part of the low-income segment does not have a bank account, pushing out these payments has been a challenge,” she said.

In this article, Forbes features the Managing Director of CFI, an independent think tank housed at Accion.