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World without cash – changes in conventional banking and payment systems

Ehrenberg-Silies, Simone; Peters, Robert; Wehrmann, Christian; Christmann-Budian, Stephanie

Abstract (englisch):

Cash remains the dominant means of payment in most countries around the world – with its importance being highest in Africa and lowest in Oceania. With approximately 60 % of transactions being made in cash, Germany ranged in the upper midfeld in Europe in 2020. However, compared to 74 % in 2017, the decline in cash use was massive – probably also due to the COVID-19 pandemic. The main winners of this development in Germany are the providers of debit and credit cards. Tese are used as plastic cards in bricks-and-mortar trade and as virtual cards for processing mobile payments and Internet payment methods. New players such as BigTechs and FinTechs are becoming increasingly active with regard to payment transactions and ofer products and services for more convenient payments with various additional functions.

Volltext §
DOI: 10.5445/IR/1000152724
Veröffentlicht am 21.11.2022
Cover der Publikation
Zugehörige Institution(en) am KIT Institut für Technikfolgenabschätzung und Systemanalyse (ITAS)
Publikationstyp Forschungsbericht/Preprint
Publikationsmonat/-jahr 04.2022
Sprache Englisch
Identifikator ISSN: 2364-2645
KITopen-ID: 1000152724
HGF-Programm 46.24.01 (POF IV, LK 01) Applied TA: Digitalizat. & Automat. Socio-Technical Change
Verlag Büro für Technikfolgen-Abschätzung beim Deutschen Bundestag (TAB)
Umfang 4 S.
Serie TAB-Fokus ; 37
Bemerkung zur Veröffentlichung TAB-Fokus no. 37 regarding brief study no. 2
Externe Relationen Siehe auch
Schlagwörter Banking system, payment system, bigtech, fintech, cash
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