Sloto Magazine Blog

The future of Digital Payment solutions>

Some financial experts have made the forecast that in ten years’ time many societies around the world will be operating without cash. Say goodbye to banknotes and coins, soon enough stores will display signs indicating that they will only accept contactless cards or mobile payment methods.

This has worried some but the trend is quite indisputable: a report from 2018 shows the projected decrease of cash payments over the next 4 years.

Chart by MerchantSavvy.co.uk | Data Source: Worldpay's 2018 Global Payment Report

What is interesting to note is that while cash payments are in a steady decline, there is an equally abrupt upward change with Mobile Payments. This is due to the rapid expansion of the Internet to all sectors of public and private life. In addition, new payment solutions are developed every year which compete with both cash and bank cards.

[DID YOU KNOW? In China, 525.1 million people now use mobile payments rather than cash!]

Countries like China are seeing a boom in Mobile Payments. Phone applications such as WeChat or Alipay allow the Chinese to pay with their phones in almost all shops and stores in their country.

In Denmark, a growing number of stores and restaurants allow you to pay by scanning a QR code with an app in your phone, allowing them to instantly deduct the funds from their bank account. Naturally, this is a concern for many: while cash also has its risks, contactless cards and mobile applications can easily be abused by thieves and fraudsters.

If the trend continues, governments may decide to stop printing and coining money in the near future. Many experts have voiced concerns against such a move, and financial experts usually address two sensitive topics if we choose to move to a cashless society.

First, the security of digital payment solutions is not as rigid as one would like it to be; a hacker can potentially drain the bank accounts of tens of thousands of users. The second point often addressed is that rural areas and economically poor regions will face an unfair disadvantage, as they don’t necessarily have the means to own mobile phones or even open bank accounts.

The world is currently geared for rapid change and we have to be ready to adapt quickly to the new trends. Will a cashless society be the next step in the evolution of human civilization?

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Today we know them only from the stories we heard as children. Fairies are typically referred to as small and attractive human-like beings that have magical powers and can often fly. This image has been painted through countless fairy tales such as Cinderella, Pinocchio, and Peter Pan. The literature about fairies has been a very popular topic for many European writers since the Middle Ages. However, the reality behind fairies goes far beyond literature; it was originally part and parcel of the living folklore of many people around the world.

The word Fairy is believed to be derived from the Old French faie, which referred to a woman skilled in magic, who knew the power and virtue of plants and herbs. Fairy-like beings abound in many traditions around the world: equivalent mythical beings appear in the mythology of Ancient Greece, Samoans, Artic people, Arabic societies and indigenous Native Americans.

Our modern image of fairies is a sweetened version of what fairies were taken to be in former times. Fairies were part of a serious folkloric tradition. In the past, they were feared as dangerous and powerful beings that would meddle with human affairs. Humans would wear protective charms to repel fairies. These included wearing one’s clothes inside out, four-leaf clovers, St. John’s wort and church bells.

Fairies could also help humans at times. It was believed that humans could marry fairies but had to remain married to them all their lives to avoid misfortune or even death.

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