Spending without thinking is a risk with unlimited contactless cards (inclusive language)

Spontaneous spending is likely to rise if the limit on contactless cards is increased or scrapped entirely, academics say.

At present, the need to press a four-digit PIN for purchases over £100 gives people a timely prompt about how much they are paying, lowering the risk of debt-fuelled purchases.

Earlier this week, the UK's financial regulator proposed that banks and card providers set their own limits, or are allowed to remove them entirely. That would make entering a PIN even more of a rarity.

Banks, and some BBC readers, say consumers should be able to set their own contactless limits, as debate on the issue picks up ahead of a final decision later in the year.