Cash or Digital: The Future of Money

Money has always been the beating heart of civilizations: from shells to precious metals, from banknotes to cryptocurrencies. But what awaits us in the next 25 years?
Are we really close to a cashless world, or will banknotes continue to endure as a symbol of freedom and inclusion?

In this clear and accessible essay, Acca Consulting takes the reader on a fascinating journey:

• from the long history of money, from barter to the era of the ATM,

• to the reasons why governments and banks are pushing towards digital,

• to the innovations that are changing payments (contactless, smartphones, super-apps, cryptocurrencies, central bank digital currencies),

• to the profound reasons why cash continues to resist, between privacy, culture and security,

• up to future scenarios: a completely cashless society, balanced coexistence, or even the return of cash in new forms.

With concrete examples, real-world cases, and reflections on risks and opportunities, Cash or Digital: The Future of Money isn't just a book about economics. It's a guide to understanding how it will change the way we live, spend, and think about freedom.

Why read it?

✅ Clear and engaging language
✅ Historical and current insights
✅ Realistic scenarios for the next 25 years
✅ Ideal for those who want to understand not only finance, but also the society that awaits us

💡 Money has never been just numbers: it's always been freedom, trust, and culture. This book helps you understand why.