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Неліктен Еуропа әлі де қолма-қол ақшаға мұқтаж?

ФРАНКФУРТ – Еуропадағы төлем жүйелері үлкен өзгерістер алдында тұр. Сандық революция арқасында төлем операцияларын іске асыру үшін бұрын соңды болмаған, жылдам және ыңғайлы құралдар шығарылып жатқандықтан, қолма-қол ақшаның болашағы жоқ сияқты көрінеді. Бірақ экономикадағы банкноттар мен монеталар рөлін елемеу де үлкен қате болар еді.

Қолма-қол ақшасыз төлем жасау опциялары соңғы жылдары тез өсті. Кредиттік карталар, онлайн аударымдар және тікелей дебеттік төлемдер қазірдің өзінде-ақ белгілі. Енді, смартфондар арқасында түрлі сандық төлем жолдары және мобильдік әмияндар да көп сұранысқа ие болуда. Таратылған реестр технологиялары сияқты пайдасы ықтимал технологиялар іргелі өзгерістердің пайда болуы мүмкін екенін көрсетеді.

Осы жаңа және өскін технологиялардан бөлек қолма-қол ақшаны алып тастау керектігін дәлелдейтін тәуелсіз зерттеулер де бар. Қолма-қол ақшасыз қоғамды жақтағандарды үш түрлі топқа бөлуге болады.

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