\nUn sondaj recent realizat de BUSINESS Magazin pe LinkedIn arat\u0103 o Rom\u00e2nie \u00eemp\u0103r\u0163it\u0103 \u00eentre dou\u0103 reflexe financiare: peste 800 de responden\u0163i spun c\u0103 nu mai au deloc cash la ei, \u00een timp ce sute recunosc c\u0103 p\u0103streaz\u0103 o rezerv\u0103 \u00een cas\u0103 sau au bani fizici permanent \u00een portofel. Cash-ul nu mai circul\u0103 prin portmonee, dar n-a p\u0103r\u0103sit casele \u015fi, mai ales, g\u00e2ndurile noastre. Scriam acum doi ani \u2013 \u015fi pare c\u0103 nu s-a schimbat mare lucru \u2013 c\u0103 \u00een timp ce vorbim despre pl\u0103\u0163i cu fa\u0163a \u00een Japonia sau cu ceasul \u00een Fran\u0163a, \u00een anumite zone din Rom\u00e2nia \u00eenc\u0103 e\u015fti privit straniu c\u00e2nd \u00eentrebi dac\u0103 po\u0163i pl\u0103ti cu cardul. \u00centr-o parte a \u0163\u0103rii, POS-ul a devenit op\u0163ional; \u00een alta, e \u00eenc\u0103 o prezen\u0163\u0103 exotic\u0103. Dou\u0103 Rom\u00e2nii, dou\u0103 viteze de plat\u0103, dar \u015fi dou\u0103 tipuri de \u00eencredere: una \u00een tehnologie, alta \u00een \u201ece \u0163ii \u00een m\u00e2n\u0103\u201d. Este cash-ul o problem\u0103 sau o solu\u0163ie? Depinde de unde prive\u015fti. La suprafa\u0163\u0103, pare o dovad\u0103 c\u0103 digitalizarea financiar\u0103 merge bine. Dar privit \u00een profunzime, cash-ul r\u0103mas \u00een circula\u0163ie spune o poveste mai larg\u0103 despre frica de instabilitate, lipsa de \u00eencredere \u00een sistem, teama de blocaje tehnice sau legislative. \u00cen perioade de criz\u0103 \u2013 economic\u0103, pandemic\u0103, geopolitic\u0103 \u2013 oamenii acumuleaz\u0103 cash, a\u015fa cum \u00ee\u015fi fac rezerve de conserve, nu pentru consumul imediat, ci pentru siguran\u0163\u0103 psihologic\u0103. \u015ei, dincolo de Rom\u00e2nia, fenomenul are ecouri \u015fi \u00een alte \u0163\u0103ri. \u00cen Suedia, lider global al pl\u0103\u0163ilor digitale, autorit\u0103\u0163ile au cerut recent cet\u0103\u0163enilor s\u0103 p\u0103streze cash \u00een cas\u0103 pentru situa\u0163ii de urgen\u0163\u0103, dup\u0103 ce \u015fi-au dat seama c\u0103 o societate complet digitalizat\u0103 poate deveni vulnerabil\u0103 \u00een fa\u0163a unor atacuri cibernetice sau c\u0103deri de sistem. Mai mult, cash-ul revine sub forme nea\u015fteptate. \u00cen SUA, Genera\u0163ia Z a reinventat numerarul printr-un trend numit \u201ecash stuffing\u201d: o metod\u0103 de bugetare fizic\u0103, \u00een care banii sunt \u00eemp\u0103r\u0163i\u0163i \u00een plicuri pentru diferite cheltuieli (transport, m\u00e2ncare, economii). A ap\u0103rut pe TikTok \u015fi a devenit o form\u0103 de protest t\u0103cut \u00eempotriva consumerismului digital \u2013 un mod de a rec\u00e2\u015ftiga controlul asupra banilor, c\u00e2nd swipe-ul pe ecran pare prea u\u015for \u015fi prea abstract (surs\u0103: Investopedia, 2023). \u00cen Rom\u00e2nia, \u201ecash stuffingul\u201d are o variant\u0103 local\u0103, mai pu\u0163in instagramabil\u0103 \u015fi se refer\u0103 mai ales la p\u0103rin\u0163ii care ascund bani \u201epentru zile negre\u201d, antreprenorii care \u00eenc\u0103 pl\u0103tesc salarii par\u0163ial \u00een numerar sau comercian\u0163ii care \u201eprefer\u0103 cash-ul\u201d. Nu e doar o chestiune de obicei. E o strategie de adaptare la impredictibil, fie acesta de natur\u0103 fiscal\u0103, bancar\u0103, tehnologic\u0103. A\u015fadar, e bine sau e r\u0103u c\u0103 rom\u00e2nii \u00eenc\u0103 \u0163in cash? E, mai degrab\u0103, un simptom dec\u00e2t o alegere. Este reac\u0163ia unui sistem care nu e \u00eenc\u0103 100% de \u00eencredere \u2013 iar oamenii, intuitiv, simt asta. P\u00e2n\u0103 c\u00e2nd re\u0163elele bancare nu vor mai c\u0103dea, p\u00e2n\u0103 c\u00e2nd POS-ul va func\u0163iona \u015fi \u00een magazinele din sate, p\u00e2n\u0103 c\u00e2nd administra\u0163ia va accepta pl\u0103\u0163i electronice f\u0103r\u0103 s\u0103 suspine, cash-ul va r\u0103m\u00e2ne. Dar nu pentru cump\u0103r\u0103turi, ci mai ales pentru confort mental. Concluzia? Cash-ul nu e \u00eenapoiere. E ce p\u0103strezi \u00een buzunar c\u00e2nd nu crezi c\u0103 sistemul te va prinde la timp. Iar p\u00e2n\u0103 c\u00e2nd to\u0163i vom avea \u00eencredere s\u0103-l l\u0103s\u0103m acas\u0103, bancnota de 50 de lei va continua s\u0103 fie acolo. Nu ca metod\u0103 de plat\u0103, ci ca ultim\u0103 solu\u0163ie, \u00eentr-o economie care promite c\u0103 e preg\u0103tit\u0103 digital, dar \u00eenc\u0103 nu convinge pe toat\u0103 lumea. <\/p>\n
\n <\/p>\n
\nCum \u201ese mi\u015fc\u0103\u201d banii lichizi \u00een lume:<\/strong><\/p>\n \n\u2022 Utilizarea numerarului a \u00eenregistrat un declin important la nivel global. Un raport din 2024 arat\u0103 c\u0103 volumul tranzac\u0163iilor \u00een numerar \u00een 63 de \u0163\u0103ri a sc\u0103zut cu 20% \u00eentre 2013 \u015fi 2023, iar ponderea numerarului \u00een totalul tranzac\u0163iilor a sc\u0103zut de la 73% \u00een 2013 la 37% \u00een 2023, cu o proiec\u0163ie de 23% p\u00e2n\u0103 \u00een 2028 . Aceast\u0103 tendin\u0163\u0103 este alimentat\u0103 de adoptarea pe scar\u0103 larg\u0103 a pl\u0103\u0163ilor digitale \u015fi a portofelelor mobile, \u00een special \u00een economii emergente precum India \u015fi Brazilia, scriu publica\u0163iile globenewswire.com, paymentsdive.com;<\/p>\n \n\u2022 \u00cen ciuda progreselor tehnologice, exist\u0103 \u00eengrijor\u0103ri privind excluziunea financiar\u0103 a anumitor segmente ale popula\u0163iei. \u00cen Regatul Unit, un comitet parlamentar a sugerat ca magazinele s\u0103 fie obligate s\u0103 accepte numerar, pentru a proteja persoanele \u00een v\u00e2rst\u0103 \u015fi cele din medii defavorizate care depind de pl\u0103\u0163ile \u00een numerar . De asemenea, \u00een Irlanda, guvernul a propus o lege pentru a asigura accesul continuu la numerar, subliniind importan\u0163a acestuia pentru \u00eentreprinderile mici \u015fi pentru persoanele care prefer\u0103 sau depind de numerar. (thetimes.co.uk, thesun.ie) (thetimes.co.uk, thesun.ie);<\/p>\n \n\u2022 Suedia, considerat\u0103 un pionier al societ\u0103\u0163ii f\u0103r\u0103 numerar, a \u00eenceput s\u0103 reevalueze aceast\u0103 direc\u0163ie din motive de securitate na\u0163ional\u0103. \u00cen 2025, autorit\u0103\u0163ile suedeze au \u00eencurajat cet\u0103\u0163enii s\u0103 p\u0103streze numerar pentru situa\u0163ii de criz\u0103, recunosc\u00e2nd c\u0103 o dependen\u0163\u0103 total\u0103 de pl\u0103\u0163ile digitale poate fi riscant\u0103 \u00een caz de atacuri cibernetice sau \u00eentreruperi ale re\u0163elelor (theguardian.com);<\/p>\n \n\u2022 \u00cen ciuda digitaliz\u0103rii, unele grupuri, inclusiv Genera\u0163ia Z, adopt\u0103 practici precum \u201ecash stuffing\u201d \u2013 o metod\u0103 de bugetare care implic\u0103 alocarea fizic\u0103 a numerarului \u00een plicuri pentru diferite categorii de cheltuieli. Aceast\u0103 tendin\u0163\u0103 reflect\u0103 o dorin\u0163\u0103 de control tangibil asupra finan\u0163elor personale \u015fi o reac\u0163ie la natura abstract\u0103 a pl\u0103\u0163ilor digitale.<\/p>\n \nIoana Matei este editor-\u015fef,Business Magazin<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Un sondaj recent realizat de BUSINESS Magazin pe LinkedIn arat\u0103 o Rom\u00e2nie \u00eemp\u0103r\u0163it\u0103 \u00eentre dou\u0103 reflexe financiare: peste 800 de responden\u0163i spun c\u0103 nu mai au deloc cash la ei, \u00een timp ce sute recunosc c\u0103 p\u0103streaz\u0103 o rezerv\u0103 \u00een cas\u0103 sau au bani fizici permanent \u00een portofel. Cash-ul nu mai circul\u0103 prin portmonee, dar […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,529,512],"tags":[49,29444,87],"class_list":["post-237278","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-opinii","category-revista-bm","tag-business-magazin","tag-ioana-matei","tag-opinie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237278","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=237278"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237278\/revisions"}],"predecessor-version":[{"id":237303,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/237278\/revisions\/237303"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=237278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=237278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=237278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}