dodo a écrit:
Ayant parcouru l'Australie, le cashless va tomber sur de gros pépins pour l'application de cette mesure.
Même constat pour les USA, qui disposent d'infrastructures particulièrement mal entretenues et qui tombent en panne à chaque événement climatique (tempête de neige, inondations, ouragans, etc...).
Cet article met également en avant le pourcentage élevé de ménages américains exclus du système bancaire (des africains américains apparemment), et qui n'utilisent que du cash...
There are many reasons experts list in arguing that cash must remain a viable payment option: Going cashless excludes the millions of unbanked and underbanked people in America, most of whom are people of color; cash is the best way to pay while maintaining a modicum of privacy; cash is integral to many cultural practices like tipping and gift giving; cash is resilient in a way that digital payments are not; and finally, consumer choice is one of the most important tenets of the free market, and eliminating cash removes one of the key payment options available to consumers.
Approximately 6.5% of U.S. households—14.1 million adults and 6.4 million children—are unbanked, according to the FDIC’s 2017 National Survey of Unbanked and Underbanked Households, meaning they live in a household holding no accounts with formal, insured financial institutions. Another 18.7% of households are underbanked, which means they have at least one account at an insured institution, but they also use financial products or services outside of the banking system, like payday loans or cash-checking services.
“Any move to cashlessness is, by definition, exclusionary to those groups,” Christina Tetreault, senior policy counsel at Consumer Reports, says.
“The decline of cash is overstated,” Tetreault says. “There’s been a talk of the death of cash for many years, and it is true that many people make more electronic payments now, but I think cash is still king.”
https://fortune.com/2020/06/25/cashless ... d-privacy/
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