The Book of Payments: Historical and Contemporary Views on the Cashless Society

Theme A: Banknotes and BarterTheme B: Cash vs. Cashless TechnologiesTheme C: Paying with PlasticTheme D: Mobile PaymentsTheme E: Payment Systems and Digital CurrenciesBanknotes, Coins, Materiality and BarterPre-1900 Utopian Visions of the 'Cashless Society'The Banknote, a Momentous Innovation in SpainRequirements, Regulation and BenefitsBanknotes in Spain: Issuing PluralityBanknotes in Spain: Bank of Spain's Issuing MonopolyFurther ReadingInnovating Means of Payment in Chile, 1840s-1860Post-colonial Context, 1811-1840Banks Enter the Game: Innovation in the Payment Methods, 1840-1860Expansionary Cycles and Demand for Payment MethodsThe Emergence of the Banking SectorConclusionsFurther ReadingThe Many Monies of King Cotton: Domestic and Foreign Currencies in New Orleans, 1856-1860New Orleans: Commercial and Financial Capital of the Cotton KingdomDomestic BanknotesForeign CurrenciesConcluding RemarksFurther ReadingThe Art of Lending in the Pampas: Commercial Credit and Financial Intermediation in Argentina, 1900-1930Agricultural Development in La PampaLocal IntermediariesLending PracticesThe Art of Lending in the PampasConclusionsFurther ReadingMatching Cash and Kind: Argentina's Experimentation with Multiple Currencies, 1995-2005Argentine Experiments with MoneyA Two-Currency EconomyA Third Currency for Private UseA Fourth Currency at Community LevelA Fifth Currency at Local LevelMatching Money and TransactionsFurther ReadingA South American Experience on Bartering: The Case of Tradaq in BrazilThe Cyclical Movement of the Electronic Barter Network Business ModelTradaq's History and Business ModelIn Line with Mrs. Groenwald's Comments on the Barter IndustryFurther ReadingII Emergence and Future of Cashless TechnologiesDematerialization and the Cashless Society: A Look Backward, a Look SidewardWhat Is Cash?What Does Dematerialization Mean?Conclusion: What Is the Materiality in Dematerialized Cash?Further readingOrigins of the Modern Concept of a Cashless Society, 1950s-1970sIntroduction: Go from Your Country to the Land I Will Show YouFor Its Memory Is Not ForgottenFifty Years LaterFurther ReadingFrom Teleprocessing to Cashless Payment Technologies: "La Caixa" 1960-2015The Pioneers of Teleprocessing: The IBM ConnectionFujitsu and ATMs: The Japanese ConnectionThe Idiosyncrasies of the Spanish Card MarketConcluding Remarks: A Multi-channel Strategy for Retail BanksFurther ReadingLimits to Cashless Payments and the Persistence of Cash. Hypotheses About MexicoFoundationsDisruptionRecent Trends in Cashless and Cash Payments in MexicoHypotheses About the ObstaclesFurther ReadingThe Cyprus Cash Crash: A Case of Collective PunishmentIntroduction: Summer Heat on a Spring DayATMs: An Inside JobA Daily StruggleAgreementCrisis of LegitimacyWaiting for Summer, Two and a Half Years LaterConclusionFurther ReadingCajaVecina: The Bancarization of Chile Through Corner ShopsIntroduction and Presentation of the CaseApproximations to the Use of Money and Payment SystemsThe Systematic and Culturalist View of MoneyBancarization of Everyday Life, Two Approximations: Sociology of Credit and Organisational IsomorphismWhat Kind of Financial Inclusion Mechanism Is CajaVecina?Methodology and CorpusDescription and Analysis of Emergent CategoriesConclusionsFurther ReadingPaying with PlasticEntree: The Rocky Origins of Visa's Debit CardA Brief Explanation of VisaHock's Asset CardExisting Electronic Funds Transfer PlansThe Entree CardEventual AdoptionConclusionFurther ReadingProtecting Plastic: Credit Card Fraud in Historical PerspectiveFrom Department Stores to the Diners ClubCredit Card Fraud: A Network ProblemCredit Cards Fraud: A Cultural ProblemCredit Card Fraud: A Legal ProblemMaking Credit Convenient Versus Making Credit SafeLooking ForwardFurther ReadingMondex and VisaCash: A First (Failed) Attempt at an Electronic PurseCaution: Hard Lessons Ahead!The First Electronic PurseVisa Enters the Race for the Electronic Cash CardTeaching PointsFurther ReadingThe Matter of PaymentThe Matter of MoneyAdaptationCalculationConclusionFurther ReadingThe Russian Payments Scheme: Politics, Innovation and the Cash ProblemOne Day That Changed It AllA Short Historical Background of Retail Digital Payments in RussiaCard as a Cash Carrying TokenCash Meets Online Bill PaymentsMade in Russia: The Background and Prospects of MIR Card as Part of Russian Payments Scheme PlayThe Early PerturbationsPolitickingMarch 21, 2014: After the BangLooking into the Future of Russian Retail PaymentsBibliographyWho Holds Credit Cards and Bank Accounts in Uruguay? Evidence from Survey of Uruguayan Households FinancesDataBackgroundEmpirical ModelResultsConcluding RemarksFurther ReadingMobile PaymentsMobile Banking in Africa: The Current State of PlayAfrica's EconomyMobile Banking FrameworkMobile Banking in AfricaM-Pesa in South AfricaDevelopments in Other Regions in AfricaRemittances in AfricaConclusionBibliographyMobile Payments in Turkey (as of 2013)Introduction: Overview of Electronic Payments in TurkeyMobile Payment ConceptHow Does Mobile Payment Work Through GSM Operators?Mobile Payment Aggregators (Technology Platforms)Characteristics of the Turkish Mobile Payment SystemsOther Mobile Payment Methods in TurkeyAVEA with a Bonus (Bonuslu AVEA)Turkcell Mobile Wallet (Turkcell Cuzdan)PayMobileConsumers' View on Mobile Payment SystemsBibliographyElectronic Payment System of Thailand: Mobile Banking Market CompetitionLong Term Adoption of Telephony: The Case of ThailandCompeting for the Future of Mobile Banking in ThailandCompeting in the Future with the Managing Migration Paths ModelAnalysis of Competitive Landscape and Strategies of Competition in the Thai Mobile Banking MarketConclusionsFurther ReadingThe Determinants of Mobile Payment Adoption: An Intercultural StudyIntroduction: Mobile Is the New Technology DriverConceptual Framework Derived from the Technology Acceptance ModelData and SamplingResultsPerceived Usefulness and Ease of UseTrust and Perceived RiskCultural DifferencesThe Relationship Between Intention to Use and the Factors of TAMConclusionFurther ReadingCan Mobile Money Replace Cash in India?Models: International and IndigenousResearch ThemesProposed ModelAnalyses of DataConcluding Remarks: A Proposed Model for IndiaBibliographyA Gentle Introduction to Side Channel Attacks on SmartphonesWhat Are Side Channels?What Is Machine Learning?FeaturesModelsLearning MethodsSupervised LearningUnsupervised LearningTouchLogger by Liang Cai and Hao Chen The AssumptionsThe Side ChannelThe FeaturesThe Learning MethodPulling It All TogetherPin Skimmer by Laurent Simon and Ross Anderson The AssumptionsThe Side ChannelThe FeaturesThe ResultsConclusionFurther ReadingBibliographyBarriers and Drivers to Future Bank Adoption of Mobile Banking: A Stakeholder PerspectiveMobile BankingStudy BackgroundDriver VariablesBarriersConclusionBibliography and Further ReadingPayments Systems and Digital CurrenciesEuropean Payments: A Path Towards the Single Market for PaymentsWhat Is SEPA?The Legal Pillars of SEPAThe World Is Watching SEPAConclusionFurther ReadingThe Single Euro Payment Area (SEPA): Implementation in SpainThe Rationale for SEPAThe (Particular) Case of SpainPayment Cards and Beyond: Competitive IssuesBibliography and Further ReadingRevolutionizing Cashless Payments in Mexico: The Case of Mimoni/LumbreraYes, Cash Is KingData In; Processes OutCashless, Not ContactlessConclusionBibliography and Further ReadingThe Future of MoneyBackground and OrganisationMethodologyAnalysis and FindingsRetail Test ScenarioPerceived Time VariesAssessing the Shopping FlowPIN Halts FlowAttempting OverviewSelf-scanning Does Not Add ValueParking Test ScenarioTransaction SpeedFlexible Parking IntervalsNFC Supports FlowCinema Box Office Test ScenarioSimplicity Is KeySpontaneity Is SupportedEfficiency Is RelativeText Messages Are Familiar, but NFC Is BetterEvent Test ScenarioSocializing Is Part of the ExperienceKnown TechnologySocial Test ScenarioFaster Is Not Always BetterControl with AccountsGifts Are PhysicalUsability and SupervisionConclusion and Future ResearchBibliography and Further ReadingPayments as We Know Them Are Changing—ebarts the Social eCurrency: Tomorrow's CashThe Global Context, and Our Focus Within ItConventional MoneyDigital MoneyBarter and ExchangeUsing a Mutual Exchange Currency, ebarts, to Activate the Social EconomyA Social e-CurrencyA 'Person-to-Person Market-Place'Networks of ExchangeHow ebarts WorksFramework to Evaluate ebartsConclusionBibliographyMilestones for a Global Cashless EconomyThe Past and Future of Retail PaymentsMoving Beyond the 50-Year-Old War on Cash Around the Cashless World in Eighty PaymentsEuropeNorth AmericaAfrica and Middle EastAsia, Latin America and OceaniaWill Fintech Find Its Passepartout?Bibliography
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