Contactless cards

为何欧洲需要纸币

发自法兰克福——欧洲的支付体系如今正是风气云涌之际。数字革命为交易结算提供了比以往更快捷,更方便的手段,以至于现金看似已经穷途末路。然而抹杀钞票和硬币在经济中所扮演的角色可是要犯错误的。

近年以来非现金支付方式不断增加。信用卡,在线转帐和直接付款技术都已极为成熟。支持智能手机的数字支付解决方案和手机钱包也在攻城拔寨。而一些潜在的破坏性创新(如分布式分类账技术)的出现也表明,进一步的根本性变革可能为时不远了。

在这些新生的选项之外,还有一些研究正在为消灭现金寻找依据。而无现金社会的倡导者一般会分为三个不同的阵营。

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