Even so, what is good and cashless? Many people seem to feel that way.
For example, according to the Ministry of Economy, Trade and Industry ” Current Status and Future Efforts of Cashless ” (May 2018), 40% to 60% of the countries are making progress in comparison of cashless payment ratio in the world. In contrast, Japan is about 20% . Japan is still the main source of cash payments.
However, according to the “ Future Investment Strategy 2017 ” decided by the Cabinet , it aims to achieve a settlement ratio of around 40% by doubling cashlessization by June 2027 .
So why do Japanese not use cashless payment so much? I once again considered the advantages and disadvantages of cashless payment .
Psychological element of cashless payment
Cashless payments include credit cards, electronic money, debit cards, prepaid cards, and QR codes.
I feel that I have been interviewing since I did not have the word “cashless payment” that Japan is a country that respects cash even when viewed globally .
Cashless payments include credit cards, electronic money, debit cards, prepaid cards, and QR codes.
I feel that I have been interviewing since I did not have the word “cashless payment” that Japan is a country that respects cash even when viewed globally .
Furthermore, Japanese people do not like debt . In particular, they are very cautious about post-payments, as represented by credit cards .
As evidenced by this, the Hakuhodo Life Research Institute’s “ Concern Survey on Money Consumers ” (December 2017) cites the following as reasons to oppose a cashless society.
Start cashless from a debit card that can be used like cash
The cashless benefits include physical convenience and the benefits of a payment service company .
- It is safe because we do not need to have cash
- There is no need to remove cash from your account alongside ATMs
- Immediate settlement is possible by net mail order. There is no need for money transfer or cash on delivery
- Use history is digitized and easy to manage
- Points accumulated for each payment
- Privilege by use results and campaign
So how do you get the benefits while lowering the hurdles of those who feel uneasy about cashless payments?
It will be necessary to lower the concept of debt. The best of is, without using a credit card to become a deferred payment, of financial institutions immediate settlement within the scope of the account deposit amount is, debit card is to use the.
The same thing can be said with prepaid type electronic money and QR code settlement , which charges a specified amount from an account , but changing to these and linking with a smartphone can be used without fear as the balance is visualized .
First of all, why not start cashless payment in the same way you can use your wallet ?
However, in the case of the prepaid type, if you set the auto charge setting , you have to pay the money because there is a mechanism such that 3,000 yen is automatically withdrawn from the account and charged when the balance falls below 1,000 yen. I want to be careful, as my senses may fade and lead to waste .
To prepare for the risk of cashless payment
There are many voices of security as a risk of cashless payment .
However, even if the card for payment is lost or stolen, the incidental theft insurance will cover the risk and damage that will be used immediately like cash, thus reducing the need for self-pay.
In addition, if you make a large-amount payment via the Internet, you can enter an additional password for identity verification, or two-step verification that identifies you with a smartphone, so the risk is reduced even if the card information leaks Will be
However, I am concerned here that cashless payments can not be made due to natural disasters and so on.
In the case of the Hokkaido Chosho-Tobu Earthquake that occurred last year, the entire area in Hokkaido was blacked out, and it became impossible to use electronic money and credit cards at convenience stores, exposing the weakness of the cashless society .
Speaking of what to do to make up for these deadly defects, you still have to put some emergency cash in the evacuation bag.
As it becomes soon enough for 1000 yen or 2000 yen, it may be safe to put 20,000 yen to 30,000 yen, based on the cost of living where the family can spend a week or so .
As I introduced you, you may feel secure if you keep cash on hand, but you should think about how to use the risk with less risk as the society goes cashless. I will.
With regard to the debit card mentioned above, if it is issued by a financial institution such as the bank you are using, you can combine the functions of the debit card on one cash card.
First, let’s check the information of the financial institution.
