{"id":25814,"date":"2024-08-24T11:52:56","date_gmt":"2024-08-24T19:52:56","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=25814"},"modified":"2024-08-24T11:52:57","modified_gmt":"2024-08-24T19:52:57","slug":"an-overview-of-debit-cards-p2p-payments-and-digital-cash-in-2024","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/an-overview-of-debit-cards-p2p-payments-and-digital-cash-in-2024\/","title":{"rendered":"An Overview of Debit Cards, P2P Payments, and Digital Cash in 2024"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25814\" class=\"elementor elementor-25814\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af85da5 e-flex e-con-boxed e-con e-parent\" data-id=\"af85da5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87bfc55 elementor-widget elementor-widget-text-editor\" data-id=\"87bfc55\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Debit payments, peer-to-peer (P2P) money transfers, and digital cash have been evolving at a good pace over the past 10 years. This has been changing how individuals and businesses manage their finances and pay for goods and services. There is an overall significant <a href=\"https:\/\/trc-parus.ru\/blog\/declining-use-of-cash-cash-vs-credit-cards\/\">decrease in the use of physical cash<\/a> in favour of using digital methods. This article explores the innovations in these areas, along with statistics.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed0de8b elementor-widget elementor-widget-heading\" data-id=\"ed0de8b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Summary of Statistics in this Article<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40c16ea elementor-widget elementor-widget-text-editor\" data-id=\"40c16ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>In the United States, contactless payments accounted for 34% of all debit card transactions in 2023, a significant increase from 19% in 2020.<\/li><li>According to Visa, tokenized transactions accounted for 85% of all mobile debit transactions in North America in 2023.<\/li><li>By 2023, it was estimated that 67% of global consumers had used a digital wallet, with debit cards being the most commonly linked payment method.<\/li><li>In 2023, Venmo processed over $245 billion in transactions, a 32% increase from the previous year.<\/li><li>World Bank data indicates that global remittances reached $794 billion in 2023.<\/li><li>Over 15,000 businesses worldwide accept Bitcoin payments as of 2024.<\/li><li>According to the Bank for International Settlements (BIS), 114 central banks, representing over 95% of global GDP, were engaged in some form of CBDC research or development by the end of 2023.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc6e88e elementor-widget elementor-widget-heading\" data-id=\"fc6e88e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trends in Debit Payments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8daa5ad elementor-widget elementor-widget-text-editor\" data-id=\"8daa5ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/how-debit-cards-work\/\">Debit card<\/a> payments have long been payment method, offering a straightforward and secure method for consumers to access their funds.\u00a0<span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">However, the past few years have witnessed an evolution in debit payment technologies, driven by the convergence of mobile technology, biometrics, and enhanced security protocols.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ac83ff elementor-widget elementor-widget-heading\" data-id=\"5ac83ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Contactless Payments and Tokenization<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bafc434 elementor-widget elementor-widget-text-editor\" data-id=\"bafc434\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One of the biggest changes in debit payments is the rise of <a href=\"https:\/\/trc-parus.ru\/blog\/contactless-tap-payments-and-apple-pay-explained\/\">contactless payments<\/a>. As of 2023, over 79% of debit card transactions in the United Kingdom were contactless, compared to just 7% in 2016. This surge can be attributed to consumer demand for speed and convenience, particularly during the COVID-19 pandemic, which accelerated the adoption of contactless technology globally. In the United States, contactless payments accounted for 34% of all debit card transactions in 2023, a significant increase from 19% in 2020.<\/p><p><a href=\"https:\/\/trc-parus.ru\/blog\/what-is-credit-card-tokenization\/\">Tokenization<\/a> has further enhanced the security of debit payments. By replacing sensitive card information with a unique token, financial institutions have reduced the <a href=\"https:\/\/trc-parus.ru\/blog\/fraud-risk-by-industry-in-payments\/\">risk of fraud<\/a>. According to Visa, tokenized transactions accounted for 85% of all mobile debit transactions in North America in 2023, reflecting the growing reliance on this technology.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af58ee4 elementor-widget elementor-widget-heading\" data-id=\"af58ee4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Integration with Digital Wallets<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba615c7 elementor-widget elementor-widget-text-editor\" data-id=\"ba615c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The integration of debit cards with<a href=\"https:\/\/trc-parus.ru\/blog\/how-digital-wallets-work-in-payments\/\"> digital wallets<\/a> has also been a game-changer. Platforms like <a href=\"https:\/\/trc-parus.ru\/blog\/contactless-tap-payments-and-apple-pay-explained\/\">Apple Pay, Google Pay, and Samsung Pay<\/a> have enabled consumers to link their debit cards to their smartphones, facilitating seamless transactions both online and in physical stores. By 2023, it was estimated that 67% of global consumers had used a digital wallet, with debit cards being the most commonly linked payment method.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f97879 elementor-widget elementor-widget-heading\" data-id=\"7f97879\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">P2P Money Transfers<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3daf595 elementor-widget elementor-widget-text-editor\" data-id=\"3daf595\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/the-rise-of-p2p-payments\/\">Peer-to-peer (P2P) money transfers<\/a> have emerged as a key component of the digital economy, enabling individuals to send and receive funds instantly without the need for traditional banking intermediaries. This market has expanded rapidly, driven by the convenience, speed, and low cost of these transactions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49a8965 elementor-widget elementor-widget-heading\" data-id=\"49a8965\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Rise of P2P Platforms<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a8e03 elementor-widget elementor-widget-text-editor\" data-id=\"a0a8e03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tP2P money transfer platforms such as PayPal, Venmo, Cash App, and Zelle have seen exponential growth in recent years. In 2023, Venmo processed over $245 billion in transactions, a 32% increase from the previous year. Similarly, Cash App reported a 41% year-over-year growth, with total transaction volume reaching $207 billion. Zelle, a service primarily used for bank-to-bank transfers, saw its transaction volume surpass $629 billion in 2023, marking a 28% increase from 2022.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a61e84 elementor-widget elementor-widget-heading\" data-id=\"8a61e84\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cross-Border P2P Transfers<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e77bfb elementor-widget elementor-widget-text-editor\" data-id=\"6e77bfb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The global nature of P2P transfers has also seen significant growth, particularly in the context of cross-border remittances. World Bank data indicates that global remittances reached $794 billion in 2023, with P2P platforms playing a crucial role in facilitating these transfers. For instance, PayPal\u2019s Xoom service, which specializes in cross-border P2P transfers, reported a 20% increase in transaction volume in 2023.<\/p><p>The adoption of <a href=\"https:\/\/trc-parus.ru\/blog\/how-cryptocurrency-is-shaping-the-future-of-payments-in-canada\/\">blockchain technology<\/a> has further revolutionized cross-border P2P transfers. Blockchain-based platforms, such as Ripple, have reduced the cost and time associated with international transfers. In 2023, the average cost of a cross-border P2P transaction using traditional methods was 6.5%, while blockchain-based transfers averaged just 2%, according to the International Monetary Fund (IMF).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52032d1 elementor-widget elementor-widget-heading\" data-id=\"52032d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Digital Cash: The Future of Money<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b23f63 elementor-widget elementor-widget-text-editor\" data-id=\"9b23f63\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The concept of digital cash has evolved from a niche idea to a mainstream reality, with central banks and private companies exploring various forms of digital currency. Digital cash, whether in the form of cryptocurrencies or <a href=\"https:\/\/trc-parus.ru\/blog\/a-merchant-guide-for-cryptocurrency-payments\/\">central bank digital currencies (CBDCs)<\/a>, promises to redefine the future of money.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36b02ec elementor-widget elementor-widget-heading\" data-id=\"36b02ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cryptocurrencies: A Decade of Growth<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8ce6b2 elementor-widget elementor-widget-text-editor\" data-id=\"e8ce6b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cryptocurrencies, led by Bitcoin, have seen remarkable growth over the past decade. As of 2024, the global cryptocurrency market capitalization stands at approximately $1.7 trillion, with Bitcoin alone accounting for over 50% of this value. The adoption of cryptocurrencies as a medium of exchange has also increased, with over 15,000 businesses worldwide accepting Bitcoin payments as of 2023.<\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">Stablecoins, a subset of cryptocurrencies pegged to traditional currencies like the US dollar, have gained significant traction due to their price stability. Tether (USDT) and USD Coin (USDC) are the leading stablecoins, with a combined market capitalization exceeding $100 billion in 2023. These digital assets are increasingly being used for remittances, online purchases, and even as collateral in decentralized finance (DeFi) platforms.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c7beea elementor-widget elementor-widget-heading\" data-id=\"2c7beea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Central Bank Digital Currencies (CBDCs)<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2586aba elementor-widget elementor-widget-text-editor\" data-id=\"2586aba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Central banks around the world are actively exploring the issuance of CBDCs as a digital alternative to physical cash. According to the Bank for International Settlements (BIS), 114 central banks, representing over 95% of global GDP, were engaged in some form of CBDC research or development by the end of 2023.<\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\">China has been at the forefront of CBDC development, with its Digital Yuan (e-CNY) being piloted in various cities since 2020. By 2023, over 260 million people had opened e-CNY wallets, conducting transactions worth over $1 trillion. The European Central Bank (ECB) is also advancing its plans for a digital euro, with a potential launch date in the late 2020s.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debit payments, peer-to-peer (P2P) money transfers, and digital cash have been evolving at a good pace over the past 10 years. This has been changing how individuals and businesses manage their finances and pay for goods and services. There is an overall significant decrease in the use of physical cash in favour of using digital [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":26810,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-25814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-innovation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>An Overview of Debit Cards, P2P Payments, and Digital Cash in 2024<\/title>\n<meta name=\"description\" content=\"Debit payments, peer-to-peer (P2P) money transfers, and digital cash are growing and this article covers the trends and statistics.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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