2012, a group of 47 scientists, representatives from regulatory agencies, NGOs,
businesses and from media assembled in Wildbad-Kreuth, Germany, to explore whether and to what extent
the resilience theory
the
reduced use of cash for transaction purposes.
− Sixth, alternative cashless payment media exert a negative influence on the use of all three denominational
groups.
− Seventh, uncertainty
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generally not the case indicating that cash is substituted more and
more by cashless payment media for low value payments
-20
-15
-10
-05
00
05
10
15
AT BE CY DE EE ES FI
decreases, in which case Iit would be negative. However, despite the spread of cashless payments media,
only very few countries to date experience a decline in banknote demand in nominal terms.
13
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