{"id":952,"date":"2020-02-23T22:19:47","date_gmt":"2020-02-23T22:19:47","guid":{"rendered":"https:\/\/tc-moskovsky.ru\/?p=952"},"modified":"2023-06-06T20:48:16","modified_gmt":"2023-06-07T04:48:16","slug":"declining-use-of-cash-cash-vs-credit-cards","status":"publish","type":"post","link":"https:\/\/tc-moskovsky.ru\/blog\/declining-use-of-cash-cash-vs-credit-cards\/","title":{"rendered":"Declining use of cash. Cash vs Credit Cards."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"952\" class=\"elementor elementor-952\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b33c1b e-flex e-con-boxed e-con e-parent\" data-id=\"0b33c1b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c696bb8 e-con-full e-flex e-con e-parent\" data-id=\"c696bb8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-817a081 elementor-widget elementor-widget-text-editor\" data-id=\"817a081\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>It&#8217;s been a decade long trend. People are using cash less in favour of credit card and debit card payments. It&#8217;s a trend that will likely continue so merchants should be prepared.<\/p>\n<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">First, this is a slow trend. It&#8217;s not going to occur over night, but it is happening. To put some numbers to it, cash use accounted for 12.6% of American GDP in 2016. In 2021, it is predicted to be 11.2%. Right now, around 20% of all consumer spending is done with cash.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15707af elementor-widget elementor-widget-heading\" data-id=\"15707af\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Reasons cash use is declining<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3641fff elementor-widget elementor-widget-text-editor\" data-id=\"3641fff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>People are using credit cards and debit cards in favour of cash. Why?&lt;<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>There is protection in using credit cards. You can lose cash.<\/li>\n<li>The convenience of carrying less around.<\/li>\n<li>The convenience of paying with your mobile device by linking your cards.<\/li>\n<li>You get points with a credit card.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>In surveys with millennials (people born between 1981 and 1996), 50% say they would stop using cash if they could.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Cash is still used especially in low-value purchases for the obvious reason that people have a higher chance of carrying a small amount of cash. However, <a href=\"https:\/\/tc-moskovsky.ru\/blog\/the-benefits-of-debit-and-credit-card-contactless-payments\/\">contactless payments (tap-and-go)<\/a> and mobile is quickly growing in this segment while cash is still declining.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Cash is also also highly used in for the population that doesn&#8217;t have a bank. About 9% of Americans do not have a bank account, so they are using cash roughly 100% of the time when making or accepting payments. This is the unbanked population.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-519a586 elementor-widget elementor-widget-heading\" data-id=\"519a586\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The cost of using cash vs credit cards for merchants<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45649e8 elementor-widget elementor-widget-text-editor\" data-id=\"45649e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There is a cost for merchants to use either cash or credit cards. Credit cards primarily have transactional costs whereas cash primarily has fixed costs.<\/p>\n<p>It&#8217;s much easier to track credit card costs being they are digital. It costs roughly 2.5% of the value and $0.15 per transaction.<\/p>\n<p>Cash is much more difficult to assess. Costs come from banking, administration, loss\/theft, and cash management hardware. A 2018 study in the U.S. found the cost of using cash to be around 9%. As the use of cash continues to decrease, the relative cost will continually increase.<\/p>\n<p>Digital payments will continue to get cheaper as it becomes more prevalent. Alternatives will appear, like\u00a0<a href=\"https:\/\/en.wikipedia.org\/wiki\/Cryptocurrency\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"cryptocurrency (opens in a new tab)\">cryptocurrency<\/a>, that make digital payments even faster, cheaper, and more secure.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>It&#8217;s been a decade long trend. People are using cash less in favour of credit card and debit card payments. It&#8217;s a trend that will likely continue so merchants should be prepared. First, this is a slow trend. It&#8217;s not going to occur over night, but it is happening. To put some numbers to it, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1374,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Declining use of cash. 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