{"id":7129,"date":"2018-09-18T09:31:21","date_gmt":"2018-09-18T07:31:21","guid":{"rendered":"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/"},"modified":"2018-09-18T09:31:21","modified_gmt":"2018-09-18T07:31:21","slug":"research-seminar-cashless-is-coming-and-smart-money-is-taking-over","status":"publish","type":"events","link":"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/","title":{"rendered":"Research Seminar: Cashless is coming and smart money is taking over!"},"content":{"rendered":"<section class=\"wp-block-unilux-blocks-free-section section\"><div class=\"container xl:max-w-screen-xl\"><p>Money is one of man\u2019s most important innovations, but it is changing form. Cash is diminishing and being replaced by electronic alternatives. We conducted a survey of 741 retailers and used secondary data to identify a date when cash will no longer be a generally accepted means of exchange. The results show that Sweden \u2013 who invented cash in 1661 &#8211; will be a cashless society in March 2023. This is an opportunity for central banks to reinvent the idea of money and payment systems. Digital legal tender is expected to reduce payment costs by providing seamless real-time payments. In addition, digital legal tender also offers and a foundation for customizable \u201csmart money\u201d that can be used to manage the appropriation of money and its use as a medium of exchange. So, after 357 years of general-purpose medium of exchange with an unrestricted usage, we are entering a time where money can become smart.<\/p><p><strong>Jonas Hedman<\/strong> is an Associate Professor at the Department of Digitalization, Copenhagen Business School, Denmark. His research interest concerns the digital transformation in the finance sector and includes topics such as cashless society, fintech revolution, payment eco-systems, payment innovations, and open-api. He is known for his work on business models and cashless society and been invited guest speaker at both universities, such as University of Mannheim, Alto University, University of British Columbia, and Washington State University, and at practitioner conferences, such as the Internet Day and Broadband Day in Denmark, Seamless Payments and Payment International.<\/p><\/div><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":0,"featured_media":7130,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":{"featured_image_focal_point":[],"show_featured_caption":false,"ulux_newsletter_groups":"","uluxPostTitle":"","uluxPrePostTitle":"","_trash_the_other_posts":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"event_start_date":"2018-10-05 14:00:00","event_end_date":"2018-10-05 15:00:00","event_speaker_name":"Jonas Hedman, Copenhagen Business School","event_speaker_link":"","event_is_online":false,"event_location":"Room E004, JFK Building\r\n29, Avenue John F. Kennedy\r\nL-1855 Luxembourg\r\n","event_street":"","event_location_link":"","event_zip_code":"","event_city":"","event_country":"LU"},"events-topic":[],"events-type":[],"organisation":[184,226],"authorship":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.3 (Yoast SEO v22.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Research Seminar: Cashless is coming and smart money is taking over! - Universit\u00e9 du Luxembourg<\/title>\n<meta name=\"description\" content=\"Money is one of man\u2019s most important innovations, but it is changing form. Cash is diminishing and being replaced by electronic alternatives. We conducted\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Research Seminar: Cashless is coming and smart money is taking over!\" \/>\n<meta property=\"og:description\" content=\"Money is one of man\u2019s most important innovations, but it is changing form. Cash is diminishing and being replaced by electronic alternatives. We conducted\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/\" \/>\n<meta property=\"og:site_name\" content=\"UNI FR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/uni.lu\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/11\/2026\/03\/03120045\/UNIV_SM-Profile_1600x1600px-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/\",\"url\":\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/\",\"name\":\"Research Seminar: Cashless is coming and smart money is taking over! - Universit\u00e9 du Luxembourg\",\"isPartOf\":{\"@id\":\"https:\/\/www.uni.lu\/fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.uni.lu\/fr\/events\/research-seminar-cashless-is-coming-and-smart-money-is-taking-over\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.uni.lu\/wp-content\/uploads\/sites\/11\/2018\/09\/research_seminar_cashless_is_coming_and_smart_money_is_taking_over.jpg\",\"datePublished\":\"2018-09-18T07:31:21+00:00\",\"dateModified\":\"2018-09-18T07:31:21+00:00\",\"description\":\"Money is one of man\u2019s most important innovations, but it is changing form. 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