Monthly Archives: August 2012

Sprechen Sie cash?

We’re all the same, but everyone is different. While all countries are adopting electronic instruments, there are significant differences in the use of payment instruments. BRIC countries like Brazil and Russia use cash for more than 90% of all transactions; … Continue reading

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Cash or Card?

So far we’ve looked at cash. As with any aspect of life, there is always competition. For cash competition comes in many forms such as checks, credit / debit cards, ACH transfers, etc. The use of payment instruments has undeniably … Continue reading

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Where’s George?

Where do you spend your money? Is it close to home, further away, abroad? In this chapter we literally follow the money. Less than 5% of all non-cash transactions are cross-border. It appears that when travelling abroad, consumers tend to … Continue reading

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