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Почему Европа всё ещё нуждается в наличных деньгах

ФРАНКФУРТ – Платёжные системы в Европе стоят на пороге радикальных перемен. Благодаря цифровой революции появляются всё более быстрые и удобные инструменты для проведения платёжных транзакций, поэтому некоторые полагают, что у наличных денег нет будущего. Но было бы ошибкой игнорировать роль банкнот и монет в экономике.

За последние годы резко выросло количество вариантов осуществления безналичных платежей. Уже хорошо известны кредитные карты, оплата онлайн и безакцептные платежи (прямое дебетование). А благодаря смартфонам сейчас начали набирать популярность различные цифровые платёжные решения и мобильные кошельки. Потенциально революционные инновации, подобные технологии распределённого реестра, указывают на то, что на горизонте могут замаячить новые и, возможно, фундаментальные перемены.

Помимо этих новых или только зарождающихся технологий есть ещё целый ряд исследований, доказывающих необходимость отказа от наличных. Защитников безналичного общества обычно можно отнести к одному из трёх различных лагерей.

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