The Global Pandemic, Laboratory of the Cashless Economy?

Jeremy Srouji () and Dominique Torre ()
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Jeremy Srouji: GREDEG - Groupe de Recherche en Droit, Economie et Gestion - UNS - Université Nice Sophia Antipolis (1965 - 2019) - CNRS - Centre National de la Recherche Scientifique - UniCA - Université Côte d'Azur, ISS - International Institute of Social Studies (ISS), Erasmus University Rotterdam

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Abstract: 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.

Keywords: central bank digital currency (CBDC); digital payments; mobile money; cashless; payment systems; NFC; e-wallets (search for similar items in EconPapers)
Date: 2022-11-26
New Economics Papers: this item is included in nep-ban, nep-cba, nep-mon and nep-pay
Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-03883724
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Published in International Journal of Financial Studies, 2022, 10, ⟨10.3390/ijfs10040109⟩

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Journal Article: The Global Pandemic, Laboratory of the Cashless Economy? (2022)
Working Paper: The Global Pandemic, Laboratory of the Cashless Economy? (2022)
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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:halshs-03883724

DOI: 10.3390/ijfs10040109

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