DECRYPTING. Money: Towards a France without species? Are we ready for this digital mutation?

Is a France without money, without parts or tickets possible and desirable? Therefore, This dizzying question – which also arises for checks – is becoming more. Moreover, more insistent, but is not without risks and raises important societal questions.

Read also: REPORTING. Meanwhile, “Even for two melons, they take out the card”: connected watches, phones … Furthermore, at the market. Meanwhile. Therefore, the decrypting. money: towards france without new cash has almost disappeared

In May 2025, it was the Minister of Justice Gérald Darmanin who revived the debate without decrypting. In addition, money: towards france without going there by four paths: to combat drug trafficking, he proposed to suppress species. Therefore, The idea, apparently radical, is part of a deeper transformation, already at work in uses as in political intentions. Nevertheless, Because in terms of money, the lines move. Similarly, In France. Moreover. Nevertheless, as in an increasing part of the world, the cash loses ground and with it it is an entire part of our relationship to money, freedom and privacy that vacillates.

Acceleration of dematerialized payment from COVVI – Decrypting. Meanwhile, money: towards france without

For several years, the dematerialization of payments has, in fact accelerated. Moreover, If in 2019. Consequently, species still represented almost 60 % of transactions in points of sale. the COVVID decrypting. money: towards france without new crisis accelerated the decline since in 2024, this share fell to around 43 %, according to the Banque de France. The bank card, contactless payment (increased at € 50), mobile solutions like Apple Pay or Google Pay decrypting. money: towards france without have changed the uses.

Read also: While payment per species is decreasing. that by mobile gains from the field

Even purchases of a few euros. formerly prerogative of coins, now go through digital, including a bread wand. The bank card today represents more than 62 % of daily payments. The cash is clearly no longer the standard.

This transition is also accompanied by a change in banking landscape. Between 2018 and 2023, more than 8,500 ATM (DAB) disappeared, a drop of 4.6 % in 2023. And if 99.9 % of the French population still lived less than 15 minutes from a DAB. the decline is decrypting. money: towards france without new particularly visible in large cities, where digital has become a reflex.

Liquid is now associated with certain social. geographic categories. which are more vulnerable, which may feel marginalized: elderly, rural areas, modest households or those of the French – they are 13 decrypting. money: towards france without million – who suffer from illitectronism.

However, the decline in cash is not just a technological question. The government, in its speeches as in its projects, supports and guides this transfer. Bruno Le Maire thus evoked in 2022 a “progressive abolition” of the cash by 2027. The security argument was already assumed: it is better to a traceable transaction than anonymous exchange. especially in a context of fighting money laundering and parallel economies. Gérald Darmanin pushes this logic to his end: to make the liquid money disappear. it is according to him depriving the traffickers of their fuel.

Northern Europe in the decrypting. money: towards france without new forefront

Decrypting. money: towards france without new

France is not a rider alone. several Nordic countries have long crossed this CAP of life without species. In Norway, less than 4 % of transactions are made in cash; In Sweden and Denmark, the cash represents barely 8 % of payments. Some banks no longer decrypting. money: towards france without even accept species. The Netherlands. Finland. Iceland and the Baltic countries, especially Estonia, are also very advanced, carried by a dense digital infrastructure and a culture of digital payment.

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But this trajectory without cash is not without reverse. In Sweden. the authorities are already considering a partial reverse. alerted by the risks of digital exclusion, vulnerability to breakdowns and cyber attacks. Because a company without species is also a company dependent on the telecom network, banks, decrypting. money: towards france without new technological platforms. The dematerialized payment. if it is obviously more practical. safer against certain types of fraud, also concentrates an unprecedented power in the hands of private actors, in particular American and centralized institutions.

In October. a digital euro

It is in this context where it is a question of sovereignty that the digital euro decrypting. money: towards france without will appear next October. Supported by the European Central Bank. this new digital means of payment – non -banking. guaranteed by the monetary institution – will first coexist with the species.

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There remains an essential question: is. a company without cash more modern. or simply more controlled? In France. 60 % of citizens say they are still attached to the possibility of paying in decrypting. money: towards france without new cash. Because the liquid guarantees a form of freedom in their eyes: that of not being followed, not to justify everything, to be able to give without trace. Deleting the cash is therefore also a political question that would require a large consensus. For the time being, it does not exist.