hamba laeh
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ARTEMIS
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August 02, 2022, 05:59:38 PM |
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I do not agree that cryptocurrencies will eliminate the need for people to use credit/debit cards because Cryptocurency is only used by certain people and not many people understand the system applied to cryptocurrencies. Moreover, cryptocurrencies have a high risk that can hinder people's trust to use them. So cryptocurrencies cannot eliminate the need for a credit/debit card.
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isaac_clarke22
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August 02, 2022, 06:01:58 PM |
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Right now it has been going slow, but that might be in the front page of the media that we are seeing. Surely there would be unreported news that people adopting crypto, since people do not want authorities to interfere their business. I would establish any small business as I wish at my home then just adopt crypto as an alternative if not primary payment method.
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juanda
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cro.baby
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August 02, 2022, 06:31:18 PM |
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Every day, people are getting more used to digital payments with crypto due to the numerous benefits it provides. There are no chargebacks, no middleman, and lower fees. Comparing crypto against traditional credit/debit cards issued by banks, I'd say crypto wins by a long shot. Merchants and businesses are slowly accepting crypto as payment method, so we should see credit/debit cards lose traction in the long run. Even VISA announced that it will be using Blockchain tech for its own benefit. The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice. What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I don't think cryptocurrencies will remove the functionality of a credit/debit card. maybe this can happen after 10 or 20 years because to make changes takes a long time, and it is impossible for conventional banks to be silent without making any developments when crypto is increasingly known and used by all humans on earth. so don't think too far.
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Xal0lex
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August 02, 2022, 07:47:17 PM |
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I don't think cryptocurrencies will remove the functionality of a credit/debit card. maybe this can happen after 10 or 20 years because to make changes takes a long time, and it is impossible for conventional banks to be silent without making any developments when crypto is increasingly known and used by all humans on earth. so don't think too far.
This is not likely to happen. Just like there will be no replacement of fiat with bitcoin. The banking system and cryptocurrencies will coexist in parallel, without the possibility of replacing each other. Cryptocurrencies can offer an alternative, but not a replacement. Although banks, with the launch of CBDC may try to replace cryptocurrencies, as banks and the state have more leverage in such processes, they can just legally restrain the development of cryptocurrencies and it will be very difficult to resist, or again leave the legal field, but for cryptocurrencies, it will be a return to 2012, when cryptocurrencies were used mainly in the shadow sector.
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JayTrain
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August 04, 2022, 07:16:29 PM |
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I am sure and convinced that in the future cryptocurrency will replace plastic cards, because with cryptocurrency it is easier and there is no need to issue plastic to a bank card, and with cryptocurrency a smartphone and a wallet in it are enough, and today it is hard to imagine a person without a smartphone.
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wxa7115
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August 04, 2022, 07:31:15 PM |
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I am sure and convinced that in the future cryptocurrency will replace plastic cards, because with cryptocurrency it is easier and there is no need to issue plastic to a bank card, and with cryptocurrency a smartphone and a wallet in it are enough, and today it is hard to imagine a person without a smartphone.
This is not going to be easy, just as you could in theory just pay with your wallet by scanning a QR code the same can be done with most of the bank applications that exist today, so at least in that aspect bitcoin does not offer an improvement over the current technology available to the consumers. Bitcoin has many advantages over fiat like having real potential to become a store of value, being a good investment, it offers some additional privacy and so on, but at least right now bitcoin is not better than any bank application on the market today.
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judeafante
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August 05, 2022, 11:14:07 PM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I don't think it will happen with so much hacking and leaking going on with people will still go on the mode of payment that will insure their money, banks are not going to go away but they can add Cryptocurrency to their system and they can co-exist, there are circumstances that bank can only play a role on transactions and there are circumstances that its much better to us Cryptocurrency than bank's credit or debit card, I don't see anything wrong if they can co-exist we are in a modern world a world where people are always looking for a better alternatives.
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Rengga Jati
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August 05, 2022, 11:45:03 PM |
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Eliminate? No. Cryptocurrency may be used as one of the payment methods, but not to eliminate the previous payment method. Not all people, countries, and environments are ready with cryptocurrency. Not all countries legalise crypto as a payment method. The use of crypto as a payment method may be more complex than the use of CC or DC. Moreover, the use of CC is exactly different with the crytocurrency, they ahve some certain different purposes, not only as the payment method.
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AmoreJaz
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August 05, 2022, 11:51:35 PM |
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Eliminate? No. Cryptocurrency may be used as one of the payment methods, but not to eliminate the previous payment method. Not all people, countries, and environments are ready with cryptocurrency. Not all countries legalise crypto as a payment method. The use of crypto as a payment method may be more complex than the use of CC or DC. Moreover, the use of CC is exactly different with the crytocurrency, they ahve some certain different purposes, not only as the payment method.
i am also not seeing in our lifetime that crypto will take-over the financial system. maybe the use of crypto will expand and grow, but the main payment system such as credit/debit card will remain. remember, not all people are amenable with crypto. some still prefer with fiat no matter what innovations in the payment sector is. they just want to stick with the traditional methods. you know what i mean?
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bittick
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August 06, 2022, 04:39:37 AM |
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I am sure and convinced that in the future cryptocurrency will replace plastic cards, because with cryptocurrency it is easier and there is no need to issue plastic to a bank card, and with cryptocurrency a smartphone and a wallet in it are enough, and today it is hard to imagine a person without a smartphone.
The plastic card can still be alternative and there's no need to kill it. I personally using QR code transactions for my daily life and this is much more easier compared using the plastic card. Crypto currency can be spent used the app that was supporting the QR code payment system. This will much more efficient caused by anyone always had phone in their pocked to be used as a payment system as well. Smartphone has become a part of people's life
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t3nk3n
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August 06, 2022, 06:50:13 AM |
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For cryptocurrency to eliminate credit/debt, it first far most need to compete with the merchant services (the way how business get paid for the goods or services from the customers) by convincing the businesses an extremely good reason to use this coin or token. In the end the businesses are the ones decides the fate and the value of coin or token. Adam Smith "the invisible hand".
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KennyR
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August 06, 2022, 09:26:54 AM |
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I think cryptocurrencies such as Bitcoin and Ethereum should be integrated more into the banking sector. We should be able to use cryptocurrencies for spending with debit and credit cards. Countries should look at cryptocurrencies more positively.
This can happen in the future. Even now we've got more credit/debit cards through the which cryptocurrency can be used. It is all about the market integration. Countries always have difference of opinion over bitcoin and other cryptocurrencies. The banking sectors need to take initiative to integrate the usage of cryptocurrencies. This takes time and in future we can use the cryptocurrency debit/credit cards same as that we tap and pay with the traditional bank credit/debit cards.
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fuguebtc
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August 06, 2022, 01:39:21 PM |
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I do not agree that cryptocurrencies will eliminate the need for people to use credit/debit cards because Cryptocurency is only used by certain people and not many people understand the system applied to cryptocurrencies. Moreover, cryptocurrencies have a high risk that can hinder people's trust to use them. So cryptocurrencies cannot eliminate the need for a credit/debit card.
Currently, cryptocurrency may not be able to replace or completely eliminate debit/credit cards, but in the future the possibility is very high, once the cryptocurrency is mass adopted, the replacement can also happen. With the convenience of not needing to carry the card with you and the cost greatly reduced, I think it perfectly fits modern needs. We need more time and for this to happen, obviously cryptocurrencies need to be more popular.
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cryptobadshah
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August 07, 2022, 05:51:55 AM |
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In many ways, the cryptocurrency market opens up new opportunities because most cryptocurrencies serve as both a payment system and an actual unit of account. It's no surprise that businesses are paying attention to and investing heavily in this brand new technology, particularly in the Bitcoin protocol. Some people believe that this new technology is the currency of the future and will fundamentally alter the way make and receive payments today.
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wxa7115
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August 11, 2022, 03:31:59 AM |
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In many ways, the cryptocurrency market opens up new opportunities because most cryptocurrencies serve as both a payment system and an actual unit of account. It's no surprise that businesses are paying attention to and investing heavily in this brand new technology, particularly in the Bitcoin protocol. Some people believe that this new technology is the currency of the future and will fundamentally alter the way make and receive payments today.
Most altcoins are just used as assets to speculate with, bitcoin and ethereum are the only coins which are widely used as currencies and even then bitcoin has a massive advantage over ethereum as well. And even bitcoin does not have any chance to eliminate the need for debit and credit cards, however it has the potential to become an alternative for all of those which are unbanked and that do not want to deal with all the requisites and policies that banks impose on them.
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nicolas1979
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August 17, 2022, 07:08:50 PM |
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Every day, people are getting more used to digital payments with crypto due to the numerous benefits it provides. There are no chargebacks, no middleman, and lower fees. Comparing crypto against traditional credit/debit cards issued by banks, I'd say crypto wins by a long shot. Merchants and businesses are slowly accepting crypto as payment method, so we should see credit/debit cards lose traction in the long run. Even VISA announced that it will be using Blockchain tech for its own benefit. The way I see this will turn out in the future is that credit/debit cards will cease to exist as they're replaced by stablecoins and decentralized cryptocurrencies like Bitcoin and Ethereum. Maybe VISA, Mastercard, American Express, and Discover will make stablecoins of their own? If credit/debit cards are eliminated, then we'll be on the right path towards a full-fledged cashless society. Instead of carrying with a physical wallet full of paper money or plastic cards, you would only carry a smartphone with a digital wallet containing the coins of your choice. What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) In this case we must look with a broad view. We must enter into business competition. Visa, Credit Card, Master Card, or whatever the name is is part of the business. The blockchain system can indeed replace all of that, including the paper money we use today. However, the blockchain system cannot replace the interests of business people. They will continue to strive to bring to life what they develop. Visa, Master card, Credit Card are part of the banking business where they benefit greatly from the card. If it's gone, then half of their business is lost. Logically, then they will maintain it, and develop to a more sophisticated stage including adopting the blockchain system in the cards.
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Wiwo
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September 02, 2022, 06:20:04 PM |
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At this moment, how can cryptocurrencies operate without the need for credit or debit cards just like how can Bitcoin exist without a bank? What we should concentrate on is how to develop a more flexible and less fee gateway between cryptocurrency and traditional banking, we need debit cards to make payments and withdraw our cryptocurrency when we exchange them to solve real-life issues. So cryptocurrency should be seen and used as an alternative and not a replacement for traditional financial services.
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Asiska02
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September 02, 2022, 08:05:04 PM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I can't guarantee that it won't fully happen in the future, but as of right now, given the pace at which cryptocurrencies are being adopted globally, I doubt that this will be attainable in a few decades. Why? Because there will still be a government. Such an event won't take place due to the government's need for total control. However, if the majority of the top countries use and leverage the profit for economic development, this is still achievable. With additional nations adopting it, the entire world will eventually do so, I'm confident. Also currently, there hasn't yet been any formidable step to show that it will soon replace debit and credit cards.
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serjent05
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September 02, 2022, 08:29:56 PM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I can't guarantee that it won't fully happen in the future, but as of right now, given the pace at which cryptocurrencies are being adopted globally, I doubt that this will be attainable in a few decades. Why? Because there will still be a government. Such an event won't take place due to the government's need for total control. However, if the majority of the top countries use and leverage the profit for economic development, this is still achievable. With additional nations adopting it, the entire world will eventually do so, I'm confident. Also currently, there hasn't yet been any formidable step to show that it will soon replace debit and credit cards. I don't think that cryptocurrencies will eliminate the need for credit and debit cards in the future. The government and banks will not allow it, though some applications (like financial mobile apps) may make debit and credit cards obsolete and for sure it won't be the cryptocurrency for the earlier reason I stated.
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Warkop
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September 03, 2022, 06:33:56 AM |
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What do you think? Will cryptocurrencies eliminate the need for credit/debit cards in the future? If not, why? Your input will be greatly appreciated. Thank you very much. ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) I can't guarantee that it won't fully happen in the future, but as of right now, given the pace at which cryptocurrencies are being adopted globally, I doubt that this will be attainable in a few decades. Why? Because there will still be a government. Such an event won't take place due to the government's need for total control. However, if the majority of the top countries use and leverage the profit for economic development, this is still achievable. With additional nations adopting it, the entire world will eventually do so, I'm confident. Also currently, there hasn't yet been any formidable step to show that it will soon replace debit and credit cards. I don't think that cryptocurrencies will eliminate the need for credit and debit cards in the future. The government and banks will not allow it, though some applications (like financial mobile apps) may make debit and credit cards obsolete and for sure it won't be the cryptocurrency for the earlier reason I stated. Actually there is no problem if Cryptocurrencies are made to get rid of like credit/debit cards and that's the main purpose of digital money with the emergence of Bitcoin, wanting to eliminate banking, and my speculation that nothing is impossible because many are misused credit/debit cards, many hacking or theft from customers, a lot of complaints from everyone, for example from their credit cards, a lot of money lost without him using it, I think it could happen...
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