Mise au point sur l`argent électronique

E-BUSINESS
Teodoro D. Cocca, Peter Csoport, Standortbestimmung zum elektronischen Geld
25 In Ahnlehnung an Christensen, C. (1997),
S. xvi; Mantel, B. (2001), S. 2.
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RESUME
Mise au point sur
l’argent électronique
Au milieu des années 90, le rêve de la
société sans argent liquide («cashless
society») semblait presque aboutir.
L’argent électronique (e-money) était
le déclencheur de cette vision. Un magazine d’affaires renommé commentait en 1996: «It (electronic money)
has the potential to change everything, to alter the very fabric of business and, perhaps, even to shake up
economics and governments all over
the world». L’euphorie a fait place à
un réalisme cynique: «Electronic
money has turned out to be a solution
in search of a problem.»
Afin de faire le point sur le développement de l’argent électronique, les
auteurs donnent un aperçu du développement de l’argent électronique
jusqu’à nos jours et insistent sur la
deuxième génération de produits disponibles actuellement, à savoir, le
paiement par internet.
L’e-money serait aujourd’hui déjà
très utile, notamment dans certains
secteurs comme les micropayments.
Indépendamment des avantages d’une
norme, on peut envisager que des innovations durables donneront de
meilleures chances aux moyens de
paiement conventionnels pour un processus de diffusion efficace. Le manque
de réflexion en matière d’économie
de réseau était à l’origine de l’échec
de nombreux projets de la première
génération. L’utilité accrue pour le
client et le distributeur reste la condition absolue pour la percée d’un nouvel instrument de paiement mais elle
ne suffit pas. Les avantages d’économie de réseau décideront du succès des
produits de la deuxième génération.
Comme le montre l’historique des
innovations en matière de trafic des
paiements, lors de la diffusion de nouveaux modes de paiements, un élément
s’impose: la patience. TDC/PC/AFB
L’Expert-comptable suisse 12/01