2023-02-21-BIS-BIS数字支付取得进展_但现金依然存在（英）_17页_2mb

Digital payments have seen substantial growth, with record levels in 2021, driven by technologies such as fast payments and contactless transactions. Cash remains crucial as a payment method and safe haven, with steady public demand. Payment behaviors differ across countries, influenced by digitalization trends and infrastructure. Advances in fast and electronic payment systems are accelerating adoption, while central banks explore CBDCs to improve interoperability and payment efficiency.