Payment cards, electronic payments, and online services have become a reality not only in financial but also in social, utilities, and other spheres. Many countries strive for a new reality in which there are no coins or bills. Swedish churches already accept donations electronically, and China has more than five bankcards per person. Various factors affect the speed of the cash refusal: the emergence of new convenient and safe solutions, the development of innovative technologies, and even such extraordinary circumstances as the COVID-19 pandemic.
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