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Warum Europa auch in Zukunft Bargeld braucht

FRANKFURT – Die Zahlungssysteme in Europa befinden sich im Umbruch. Angesichts der digitalen Revolution, die immer schnellere und bequemere Möglichkeiten der Zahlungsabwicklung bietet, hat Bargeld für manch einen offenbar an Zukunftsfähigkeit eingebüßt. Es wäre jedoch ein Fehler, die Rolle von Banknoten und Münzen in der Wirtschaft zu unterschätzen.

Bargeldlose Zahlungsoptionen haben sich in den letzten Jahren immer stärker verbreitet. Kreditkarten, Online-Überweisungen und Lastschriftzahlungen sind bereits gut etabliert. Nun erfreuen sich darüber hinaus auch smartphonebasierte digitale Zahlungslösungen und mobile Geldbörsen immer größerer Beliebtheit. Das Aufkommen potenziell disruptiver Innovationen wie der Distributed-Ledger-Technologie deutet darauf hin, dass weitere, möglicherweise grundlegende Veränderungen bevorstehen könnten.

Auch ohne diese neu aufkommenden Zahlungsoptionen gibt es eine Reihe von Studien, die sich für die Abschaffung des Bargelds aussprechen. Die Befürworter einer bargeldlosen Gesellschaft lassen sich in drei unterschiedliche Lager einteilen.

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