La révolution de la monnaie électronique

La plupart des articles sur les nouvelles formes de monnaie électronique les font passer pour un gadget supplémentaire. Quelle différence entre sortir une carte à puce de son portefeuille ou un porte-monnaie de sa poche ? Est-ce si important ? Ces nouveaux moyens de paiement font penser aux vitres électriques des voitures ou aux commandes à distance des TV. On vivrait sans doute tout aussi bien sans.

Mais les médias ne prennent pas suffisamment en compte l'avenir et ne comprennent pas l'étendue des changements qui interviendront quand les consommateurs et les entreprises exploiteront toutes les potentialités offertes par le développement des nouveaux moyens de paiement électronique. Ce ne sont pas des gadgets, mais des outils qui vont contribuer à transformer l'économie mondiale.

La monnaie électronique a deux atouts majeurs qui vont sans doute accélérer sa diffusion. Le premier est d'ordre intellectuel , la monnaie électronique va stimuler la créativité. Le deuxième est sa contribution au développement de la mondialisation par l'accroissement de l'emploi et des usages d'internet et la facilité qu'elle offre pour des interactions entre des personnes disséminées aux quatre coins de la planète. Ces deux atouts réunis vont permettre à des millions de cerveaux de collaborer beaucoup plus efficacement qu'ils ne l'ont jamais fait.

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