02:08 Tuesday, August 09, 2022

Наближава денят, в който Швеция ще се прости с парите в брой

В Швеция богомолци дават десятък на църквите си с приложение за смартфон, а бездомни амбулантни търговци използват мобилни ПОС терминали за кредитни карти, пише вeстник “Ню Йорк таймс”. Дори музеят на “Абба”, макар и светилище на попгрупа от 70-те, написала песента “Пари, пари, пари”, смята парите в брой за доста демоде и не приема банкноти и монети, допълва изданието.

Малцина места по света вървят към бъдеще без пари в брой толкова бързо, колкото Швеция, която е привлечена от удобството да се плаща с мобилни приложения и карти.
Напредналата в технологиите държава е съблазнена от иновациите, които правят дигиталните плащания по-лесни. Това си има и своята практична страна, тъй като много от шведските банки вече не приемат и не раздават пари в кеш.

Не всички обаче са радостни от това, отбелязва “Ню Йорк таймс”. Организации в защита на потребителите предупреждават за нарастваща заплаха за личните данни и уязвимост към киберпрестъпления. Миналата година в Швеция е имало 140 хиляди електронни измами, над два пъти повече от техния брой преди десетилетие, сочат данни на министерството на правосъдието.

Възрастните хора и бежанците, които използват кеш, може да бъдат маргинализирани, казват критици. А младежите, които използват мобилни приложения за всичко и теглят кредити през телефоните си, рискуват да затънат в дългове.

Банкнотите и монетите в момента представляват два процента от икономиката на Швеция, в сравнение със 7,7 процента в Съединените щати и 10 процента в Еврозоната.

Тази година само около 20 процента от всички плащания в Швеция са били в кеш, а в световен мащаб този дял е бил 75 процента, отбелязва експертът по пазарни изследвания “Евромонитор интернешънъл”.

Според Шведската централна банка обаче, макар и залязващи, парите ще се използват още през следващите 20 години, пише още “Ню Йорк таймс”.

Filed in: Новини от останалия свят, Световни финанси

83 Responses to “Наближава денят, в който Швеция ще се прости с парите в брой”

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