The study reveals that cash contributes far more to the economy than its cost, suggesting a strong net benefit for payment diversityExecutive summary: A researcher team found that the economic benefits of cash exceed its costs by nearly threefold, attributing the result to two key aspects. The result underscores cash's positive macroeconomic contribution, which could influence debates on payment infrastructure, financial inclusion, and regulatory treatment of payment methods. An unnamed research team, the German economy, policymakers, retailers, and banks. Discussions about cash acceptance may intensify, prompting further studies on payment method cost‑benefit analyses and potential policy reviews to preserve cash access.A research team has determined that the macroeconomic advantages of cash in Germany outweigh its expenses by almost a factor of three, driven primarily by two unspecified factors. The finding challenges the prevailing narrative that cash is a costly relic and highlights its continued role in the economic system. Policymakers and payment industry stakeholders may need to reassess strategies that favor exclusively digital transactions.Connected developmentsBundesbank-Studie: Menschen in Deutschland zahlen überwiegend ohne BargeldGeld: Studie: Bargeld bringt der Wirtschaft fast dreimal so viel, wie es sie kostetBrexit-Referendum 10 Jahre: So stark hat Großbritanniens EU-Austritt der Wirtschaft geschadetKaribik: Kuba beschließt 176-Punkte-Plan zur Öffnung der WirtschaftKonjunktur: Iran-Frieden in Sicht: Kommt jetzt doch der große Aufschwung der Wirtschaft?Open the full case file on Beyond →
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