Never heard of longer distance journeys being split. Certainly here Reading buses cover several authorities, into Bracknell and Newbury, both well outside the reading area. similarly there re buses that go from Leeds to Scarborough, as I understand it without changing buses.
Certainly here we still accept cash, though cards and unfortunately phones predominate. I say unfortunately as many people seem unable to get their phone ready to pay until actually at the machine, and some, although they presumably use it for cash transactions regularly, seem even worse at actually doing anything on them than I am