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Munich Personal RePEc Archive

Early “Frictions” in the Transition towards Cashless Payments

Batiz-Lazo, Bernardo and Buckley, Tom (2021): Early “Frictions” in the Transition towards Cashless Payments.

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Abstract

In this article we describe the trials and tribulations in the early stages to introduce cashless retail payments in the USA. We compare efforts by financial service firms and retailers. We then document the ephemeral life of one of these innovations, colloquially known as “Hinky Dinky”. We conclude with a brief reflection on the lessons these historical developments offer to the future of digital payments.

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