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Authors = Jeremy Srouji

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13 pages, 857 KiB  
Article
The Global Pandemic, Laboratory of the Cashless Economy?
by Jeremy Srouji and Dominique Torre
Int. J. Financial Stud. 2022, 10(4), 109; https://doi.org/10.3390/ijfs10040109 - 26 Nov 2022
Cited by 5 | Viewed by 6149
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 [...] Read more.
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 eco-system, it has also brought to the forefront more fragmentation than convergence between payment systems in different regions of the world. Full article
(This article belongs to the Special Issue Bank Funding and Corporate Financial Policies during COVID-19 and FinTech Period)
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10 pages, 1514 KiB  
Article
Digital Payments, the Cashless Economy, and Financial Inclusion in the United Arab Emirates: Why Is Everyone Still Transacting in Cash?
by Jeremy Srouji
J. Risk Financial Manag. 2020, 13(11), 260; https://doi.org/10.3390/jrfm13110260 - 30 Oct 2020
Cited by 33 | Viewed by 20943
Abstract
Since the oil price downturn of 2015, the United Arab Emirates and fellow Gulf Cooperation Council countries have worked hard to expand digital payments in the interest of improved tax and revenue collection, transparency, and security. Yet despite a deep transformation and diversification [...] Read more.
Since the oil price downturn of 2015, the United Arab Emirates and fellow Gulf Cooperation Council countries have worked hard to expand digital payments in the interest of improved tax and revenue collection, transparency, and security. Yet despite a deep transformation and diversification of their payment eco-systems and the formalization of plans to become “cashless economies” modelled on South Korea and Sweden, cash continues to dominate payments in both countries. While industry players typically attribute the prevalence of cash in the region to questions of infrastructure readiness, transaction costs, and cyber-security, this paper finds that plans to expand digital payments at the expense of cash may not be well-adapted to countries with high levels of socio-economic inequality. It proposes a link between socio-economic inequality and use of cash in emerging economies, and concludes that it may be better to not view the relationship between cash and digital payments in binary zero-sum terms, until there is a better understanding of the socio-economic, technological, and policy context in which countries like South Korea and Sweden have managed to reduce their reliance on cash in favor of a diversified digital payments eco-system. Full article
(This article belongs to the Special Issue Monetary Plurality and Crisis)
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