Building A Cashless Society

Author : Niklas Arvidsson
Publisher : Springer
Page : 96 pages
File Size : 52,5 Mb
Release : 2019-02-22
Category : Business & Economics
ISBN : 9783030106898

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Building a Cashless Society by Niklas Arvidsson Pdf

This open access book tells the story of how Sweden is becoming a virtually cashless society. Its goal is to improve readers’ understanding of what is driving this transition, and of the factors that are fostering and hampering it. In doing so, the book covers the role of central banks, political factors, needs for innovation, and the stakeholders involved in developing a cashless ecosystem. Adopting a historical standpoint, and drawing on a unique dataset, it presents an academic perspective on Sweden’s leading role in this global trend. The global interest in the future of cash payments makes the Swedish case particularly interesting. As a country that is close to becoming a cashless economy, it offers a role model for many other countries to learn from - whether they want to stimulate or reduce the use of cash. This highly topical book will be of interest to politicians, researchers, businesses, financial service providers and payment service providers, as well as fintech start-ups, regulators and other authorities.

Author : Niklas Arvidsson
Publisher : Unknown
Page : 96 pages
File Size : 51,5 Mb
Release : 2020-10-08
Category : Business & Economics
ISBN : 1013270908

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Building a Cashless Society by Niklas Arvidsson Pdf

This open access book tells the story of how Sweden is becoming a virtually cashless society. Its goal is to improve readers' understanding of what is driving this transition, and of the factors that are fostering and hampering it. In doing so, the book covers the role of central banks, political factors, needs for innovation, and the stakeholders involved in developing a cashless ecosystem. Adopting a historical standpoint, and drawing on a unique dataset, it presents an academic perspective on Sweden's leading role in this global trend. The global interest in the future of cash payments makes the Swedish case particularly interesting. As a country that is close to becoming a cashless economy, it offers a role model for many other countries to learn from - whether they want to stimulate or reduce the use of cash. This highly topical book will be of interest to politicians, researchers, businesses, financial service providers and payment service providers, as well as fintech start-ups, regulators and other authorities. This work was published by Saint Philip Street Press pursuant to a Creative Commons license permitting commercial use. All rights not granted by the work's license are retained by the author or authors.

Author : Robert A. Hendrickson
Publisher : Unknown
Page : 388 pages
File Size : 48,6 Mb
Release : 1972
Category : Business & Economics
ISBN : WISC:89031129075

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The Cashless Society by Robert A. Hendrickson Pdf

Author : Bernardo Batiz-Lazo,Leonidas Efthymiou
Publisher : Springer
Page : 432 pages
File Size : 55,7 Mb
Release : 2016-12-04
Category : Business & Economics
ISBN : 9781137602312

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The Book of Payments by Bernardo Batiz-Lazo,Leonidas Efthymiou Pdf

This book examines the nature of retail financial transaction infrastructures. Contributions assume a long-term outlook in their exploration of the key financial processes and systems that support a global transition to a cashless economy. The volume offers both modern and historic accounts that demonstrate the constantly changing role of payment instruments. It brings together different theoretical approaches to the study, re-examining and forecasting changes in retail payment systems. Chapters explore a global transition to a cashless society and contemplate future alternatives to cash, cheques and plastic, featuring the perspectives of academics from different disciplines in conversation and industry participants from six continents. Readers are invited to discover the innovation in payment systems and how it co-evolves with changes in society and organisations through personal, corporate and governmental processes.

Author : Bernardo Batiz-Lazo,Leonidas Efthymiou
Publisher : Palgrave Macmillan
Page : 0 pages
File Size : 44,7 Mb
Release : 2016-12-21
Category : Business & Economics
ISBN : 1137602309

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The Book of Payments by Bernardo Batiz-Lazo,Leonidas Efthymiou Pdf

This book examines the nature of retail financial transaction infrastructures. Contributions assume a long-term outlook in their exploration of the key financial processes and systems that support a global transition to a cashless economy. The volume offers both modern and historic accounts that demonstrate the constantly changing role of payment instruments. It brings together different theoretical approaches to the study, re-examining and forecasting changes in retail payment systems. Chapters explore a global transition to a cashless society and contemplate future alternatives to cash, cheques and plastic, featuring the perspectives of academics from different disciplines in conversation and industry participants from six continents. Readers are invited to discover the innovation in payment systems and how it co-evolves with changes in society and organisations through personal, corporate and governmental processes.

Author : Eswar S. Prasad
Publisher : Harvard University Press
Page : 497 pages
File Size : 55,9 Mb
Release : 2021-09-28
Category : Business & Economics
ISBN : 9780674258440

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The Future of Money by Eswar S. Prasad Pdf

A cutting-edge look at how accelerating financial change, from the end of cash to the rise of cryptocurrencies, will transform economies for better and worse. We think weÕve seen financial innovation. We bank from laptops and buy coffee with the wave of a phone. But these are minor miracles compared with the dizzying experiments now underway around the globe, as businesses and governments alike embrace the possibilities of new financial technologies. As Eswar Prasad explains, the world of finance is at the threshold of major disruption that will affect corporations, bankers, states, and indeed all of us. The transformation of money will fundamentally rewrite how ordinary people live. Above all, Prasad foresees the end of physical cash. The driving force wonÕt be phones or credit cards but rather central banks, spurred by the emergence of cryptocurrencies to develop their own, more stable digital currencies. Meanwhile, cryptocurrencies themselves will evolve unpredictably as global corporations like Facebook and Amazon join the game. The changes will be accompanied by snowballing innovations that are reshaping finance and have already begun to revolutionize how we invest, trade, insure, and manage risk. Prasad shows how these and other changes will redefine the very concept of money, unbundling its traditional functions as a unit of account, medium of exchange, and store of value. The promise lies in greater efficiency and flexibility, increased sensitivity to the needs of diverse consumers, and improved market access for the unbanked. The risk is instability, lack of accountability, and erosion of privacy. A lucid, visionary work, The Future of Money shows how to maximize the best and guard against the worst of what is to come.

Author : Mr.Alexei P Kireyev
Publisher : International Monetary Fund
Page : 26 pages
File Size : 54,9 Mb
Release : 2017-03-27
Category : Business & Economics
ISBN : 9781475589252

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The Macroeconomics of De-Cashing by Mr.Alexei P Kireyev Pdf

The paper presents a simple framework for the analysis of the macroeconomic implications of de-cashing. Defined as replacing paper currency with convertible deposits, de-cashing would affect all key macroeconomic sectors. The overall macreconomic impact of de-cashing would depend on the balance of growth-enhancing and growth-constraining factors. Starting from a traditional saving-investment balance, the paper develops a four-sector macroeconomic framework. It is purely illustrative and is designed to provide a roadmap for a systematic evaluation of de-cashing. The framework is disaggregated into the real, fiscal, monetary, and external sectors and potential implications of de-cashing are then identified in each sector. Finally, the paper draws a balance on possible positive and negative macroeconomic implications of de-cashing, and proposes policies capable of augmenting its economic and social benefits, while reducing potential costs.

Author : OECD
Publisher : OECD Publishing
Page : 114 pages
File Size : 42,5 Mb
Release : 2019-06-06
Category : Electronic
ISBN : 9789264784185

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Unpacking E-commerce Business Models, Trends and Policies by OECD Pdf

As digital transformation has accelerated, the e-commerce landscape has become increasingly dynamic. New players have emerged at the same time that established actors have taken on new roles; some barriers to e-commerce at the firm, individual and country levels have been overcome, while other barriers have emerged. Innovative business models have transformed buyer-seller relationships and pushed out the frontier of what is possible to buy and sell online.

Author : Atreyee Sen,Johan Lindquist,Marie Kolling
Publisher : Berghahn Books
Page : 198 pages
File Size : 41,8 Mb
Release : 2020-08-01
Category : Social Science
ISBN : 9781789209167

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Who’s Cashing In? by Atreyee Sen,Johan Lindquist,Marie Kolling Pdf

Cashless infrastructures are rapidly increasing, as credit cards, cryptocurrencies, online and mobile money, remittances, demonetization, and digitalization process replace coins and currencies around the world. Who’s Cashing In? explores how different modes of cashlessness impact, transform and challenge the everyday lives and livelihoods of local communities. Drawing from a wide range of ethnographic studies, this volume offers a concise look at how social actors and intermediaries respond to this change in the materiality of money throughout multiple regional contexts.

Author : David Wolman
Publisher : Da Capo Press
Page : 240 pages
File Size : 48,9 Mb
Release : 2013-08-13
Category : Business & Economics
ISBN : 9780306822698

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The End of Money by David Wolman Pdf

For ages, money has meant little metal disks and rectangular slips of paper. Yet the usefulness of physical money -- to say nothing of its value -- is coming under fire as never before. Intrigued by the distinct possibility that cash will soon disappear, author and Wired contributing editor David Wolman sets out to investigate the future of money...and how it will affect your wallet. Wolman begins his journey by deciding to shun cash for an entire year -- a surprisingly successful experiment (with a couple of notable exceptions). He then ventures forth to find people and technologies that illuminate the road ahead. In Honolulu, he drinks Mai Tais with Bernard von NotHaus, a convicted counterfeiter and alternative-currency evangelist whom government prosecutors have labeled a domestic terrorist. In Tokyo, he sneaks a peek at the latest anti-counterfeiting wizardry, while puzzling over the fact that banknote forgers depend on society's addiction to cash. In a downtrodden Oregon town, he mingles with obsessive coin collectors -- the people who are supposed to love cash the most, yet don't. And in rural Georgia, he examines why some people feel the end of cash is Armageddon's warm-up act. After stops at the Digital Money Forum in London and Iceland's central bank, Wolman flies to Delhi, where he sees first-hand how cash penalizes the poor more than anyone--and how mobile technologies promise to change that. Told with verve and wit, The End of Money explores an aspect of our daily lives so fundamental that we rarely stop to think about it. You'll never look at a dollar bill the same again.

Author : W.C. Boeschoten
Publisher : Springer Science & Business Media
Page : 239 pages
File Size : 43,5 Mb
Release : 2012-12-06
Category : Business & Economics
ISBN : 9789401125185

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Currency Use and Payment Patterns by W.C. Boeschoten Pdf

Acknowledgements The work underlying this study was performed at the Econometric and Special Studies Department of the Nederlandsche Bank, where many contributed to it. I am indebted to all the statistical assistants of the department, especially to Anja Wouters and Rob Vet for their patient assistance in building up the data sets and analysing the survey data. Also Corina den Broeder rendered devoted and persistent research assistance with respect to the multicountry analysis during her stay at the Bank and I am grateful to Mike Clements of the Bank of England for his careful reading and commenting on that part. My collegues Peter van Els and Carlo Winder made some valuable suggestions. Liesbeth Klein and Coen Collee helped me avoid a number of errors in English, and thanks to the skilful efforts of Marietta Bakker, Gita Gajapersad and Carolien Verhoeven the text looks as it does. Above all, lowe a debt of gratitude to Martin Fase, one of the pioneers in this field of research, for his efforts and contribution to the improvement of this study. INTRODUCTION We seem to be well on the way to a cashless society. Paradoxically, however, the majority of the transactions are still paid in cash even in the most advanced economies. A second paradoxical observation is that, despite the primary and common character of currency, the economic theory on the use of and demand for cash is only rarely supported by empirical evidence.

Author : Richard Turrin
Publisher : Unknown
Page : 402 pages
File Size : 52,5 Mb
Release : 2021-04-16
Category : Electronic
ISBN : 1949642720

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Cashless by Richard Turrin Pdf

Cashless dives into the design and use of China's new central bank digital currency.

Author : Gottfried Leibbrandt,De Terán Natasha
Publisher : Elliott & Thompson
Page : 356 pages
File Size : 48,8 Mb
Release : 2022-04-14
Category : Electronic
ISBN : 1783966416

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The Pay Off by Gottfried Leibbrandt,De Terán Natasha Pdf

How we pay is so fundamental that it underpins everything - from trade to taxation, stocks and savings to salaries, pensions and pocket money. Rich or poor, criminal, communist or capitalist, we all rely on the same payments system, day in, day out. It sits between us and not just economic meltdown, but a total breakdown in law and order. Why then do we know so little about how it really works? As you read this, technology is dismantling payment barriers and governments are erecting them; cash is on the way out, and crypto and BigTech are fighting their way in. The Europeans are heavily regulated, the Americans oddly backward, and the Chinese hoping to lead the way forward. Challenging our understanding about where financial power really lies, The Pay Off shows us that the most important thing about money is the way we move it. Leibbrandt and De Terán shine a light on the hidden workings of the humble payment - and reveal both how our payment habits are determined by history as well as where we go from here. From national customs to warring nation states, geopolitics will shape the future of payments every bit as much as technology.

Author : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 148 pages
File Size : 43,8 Mb
Release : 2018-04-19
Category : Business & Economics
ISBN : 9781464812682

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The Global Findex Database 2017 by Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar Pdf

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Author : P. C. Lai
Publisher : Unknown
Page : 128 pages
File Size : 49,7 Mb
Release : 2021-10
Category : Blockchains (Databases)
ISBN : 179989035X

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Handbook of Research on Social Impacts of E-payment and Blockchain Technology by P. C. Lai Pdf

"This book provides broad research and applied coverage of subjects relating to the social impact of e-payment and blockchain in various industries and countries establishing a forum for the exchange of research ideas and practices,"--