Capgemini : 45% des consommateurs utiliseront des crypto-monnaies d'ici 2023

Research firm Capgemini, which regularly conducts surveys with various businesses and their customers around the world, reported that 45% of consumers will start using cryptocurrencies to make payments by 2023.

Before coming to such a forecast, analysts had to carefully study the state of payment systems and services around the world as part of a report called World of Payments 2021. And also resort to statistics from the Bank for International Settlements, the International Monetary Fund, the World Bank, the European Central Bank, and others. international financial institutions. More than 6,300 customers and 210 representatives of the payment business in 44 countries participated in the survey.

Today, less than 10% of consumers use cryptocurrencies for payments, according to researchers at Capgemini. However, the current trend towards the popularization of a new asset class could drive this growth up to 45% in just two years.

The reason for this will be primarily the growing need for a convenient and fast way to make international payments and the absence of high transaction fees in the case of digital currencies. For the foreseeable future, cryptocurrencies may well grab a solid chunk of the market from industry giants such as Western Union and MoneyGram.

Among those actively developing in the direction of cross-border payments, Capgemini highlighted Ripple and its XRP token. At the same time, according to the Asian Development Bank, the use of services offered by bKash, Ripple, and Mobile Money helped to dramatically increase the speed of settlements and reduce their time from a few days to a few seconds, which is impressive. A particular advantage for those using cross-border payments was the favorable exchange rates on these services in the midst of the COVID-19 pandemic. The Asian Development Bank staff also highlighted the resolution of identification problems when using blockchain-based payments, looking at the situation with transfers between Malaysia and Pakistan.

Another key factor contributing to the proliferation of cryptocurrencies among consumers will be their addition by major international brands as a means of paying for goods and services. Examples of this, according to Capgemini experts, will be Coca-Cola, Yum Brands, PayPal, and other corporations.

Among payment instruments, according to Capgemini, cryptocurrency credit cards have taken the lead. The main reason for this popularity was cited as the desire of their issuers to form an effective ecosystem of payments in the equivalent of digital currencies.

In conclusion, the researchers emphasized that the prospects for the development of stablecoins and the cryptocurrencies themselves depend not least on the actions of the world authorities of various countries and their reactions.

Of course, if consumers appreciate crypto payments, then even the most influential politicians will not be able to completely ban them from using new assets. A good example of this was the Chinese miners, who simply "moved" their business and capital to a more favorable environment.

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