käteisettömyyttä

Käteisettömyyttä refers to a society or an economy where physical cash is used very little or not at all. In such a system, transactions are primarily conducted through electronic means, such as credit and debit cards, mobile payments, bank transfers, and other digital payment methods. This shift away from cash has been observed in many countries, driven by technological advancements, convenience, and a desire for greater efficiency in financial dealings.

The move towards a cashless society offers several potential benefits. For individuals, it can provide greater convenience, easier tracking of expenses, and reduced risk of theft associated with carrying cash. For businesses, it can lead to lower costs associated with handling cash, reduced risk of robbery, and faster transaction times. Governments may also see advantages in terms of reduced tax evasion and a better ability to monitor economic activity.

However, a cashless society also presents challenges. Concerns are often raised about privacy, as digital transactions leave an electronic trail. For individuals who are less tech-savvy, elderly, or have limited access to digital infrastructure, exclusion can be a significant issue. The reliance on technology also means that system failures, power outages, or cyberattacks could disrupt economic activity. Furthermore, the complete elimination of cash could impact the informal economy and small-scale transactions. Many societies are exploring ways to balance the benefits of digital payments with the need to ensure inclusivity and address potential downsides.