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26 novembre 2022
- handle: 10670/1.utlubj
- halshs: halshs-03883724
- doi: 10.3390/ijfs10040109
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info:eu-repo/semantics/altIdentifier/doi/10.3390/ijfs10040109
http://creativecommons.org/licenses/by/ , info:eu-repo/semantics/OpenAccess
Mots-clés
central bank digital currency (CBDC) digital payments mobile money cashless payment systems NFC e-walletsSujets proches
Payment--Law and legislationCiter ce document
Jeremy Srouji et al., « The Global Pandemic, Laboratory of the Cashless Economy? », HAL-SHS : économie et finance, ID : 10.3390/ijfs10040109
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Résumé
The COVID-19 pandemic has had a profound impact on payment systems and preferences around the world, reducing the use of cash in favor of digital payment instruments and accelerating the discussion around the need for a central bank digital currency. This article presents the digital payments and cashless agenda before and after the pandemic, focusing on how the changing payments landscape has influenced the priorities and decisions of regulators, banks and other financial intermediaries, with regards to the future shape of payment systems. It finds that while the pandemic demonstrated the benefits associated with building an advanced, competitive and integrated digital payments ecosystem , it has also brought to the forefront more fragmentation than convergence between payment systems in different regions of the world.