{"id":21344,"date":"2021-05-18T21:27:23","date_gmt":"2021-05-18T19:27:23","guid":{"rendered":"https:\/\/www.kryptoakademie24.de\/?p=21344"},"modified":"2023-08-18T15:33:13","modified_gmt":"2023-08-18T13:33:13","slug":"tschuess-bargeld","status":"publish","type":"post","link":"https:\/\/www.kryptoakademie24.de\/tr\/topnews\/tschuess-bargeld.html","title":{"rendered":"Elveda nakit mi?"},"content":{"rendered":"<div class=\"shariff shariff-align-flex-start shariff-widget-align-flex-start\"><ul class=\"shariff-buttons theme-default orientation-horizontal buttonsize-medium\"><li class=\"shariff-button mastodon shariff-nocustomcolor\" style=\"background-color:#563ACC\"><a href=\"https:\/\/s2f.kytta.dev\/?text=Tsch%C3%BCss%20Bargeld%3F https%3A%2F%2Fwww.kryptoakademie24.de%2Ftr%2Ftopnews%2Ftschuess-bargeld.html\" title=\"Mastodon&#039;da Payla\u015f\" aria-label=\"Mastodon&#039;da Payla\u015f\" role=\"button\" rel=\"noopener nofollow\" class=\"shariff-link\" style=\"; background-color:#6364FF; color:#fff\" target=\"_blank\"><span class=\"shariff-icon\" style=\"\"><svg width=\"75\" height=\"79\" viewbox=\"0 0 75 79\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.813-.025C32.462-.058 27.114.13 21.79.598c-8.544.621-17.214 5.58-20.203 13.931C-1.12 23.318.408 32.622.465 41.65c.375 7.316.943 14.78 3.392 21.73 4.365 9.465 14.781 14.537 24.782 15.385 7.64.698 15.761-.213 22.517-4.026a54.1 54.1 0 0 0 .01-6.232c-6.855 1.316-14.101 2.609-21.049 1.074-3.883-.88-6.876-4.237-7.25-8.215-1.53-3.988 3.78-.43 5.584-.883 9.048 1.224 18.282.776 27.303-.462 7.044-.837 14.26-4.788 16.65-11.833 2.263-6.135 1.215-12.79 1.698-19.177.06-3.84.09-7.692-.262-11.52C72.596 7.844 63.223.981 53.834.684a219.453 219.453 0 0 0-16.022-.71zm11.294 12.882c5.5-.067 10.801 4.143 11.67 9.653.338 1.48.471 3 .471 4.515v21.088h-8.357c-.07-7.588.153-15.182-.131-22.765-.587-4.368-7.04-5.747-9.672-2.397-2.422 3.04-1.47 7.155-1.67 10.735v6.392h-8.307c-.146-4.996.359-10.045-.404-15.002-1.108-4.218-7.809-5.565-10.094-1.666-1.685 3.046-.712 6.634-.976 9.936v14.767h-8.354c.109-8.165-.238-16.344.215-24.5.674-5.346 5.095-10.389 10.676-10.627 4.902-.739 10.103 2.038 12.053 6.631.375 1.435 1.76 1.932 1.994.084 1.844-3.704 5.501-6.739 9.785-6.771.367-.044.735-.068 1.101-.073z\"\/><defs><lineargradient id=\"paint0_linear_549_34\" x1=\"37.0692\" y1=\"0\" x2=\"37.0692\" y2=\"79\" gradientunits=\"userSpaceOnUse\"><stop stop-color=\"#6364FF\"\/><stop offset=\"1\" stop-color=\"#563ACC\"\/><\/lineargradient><\/defs><\/svg><\/span><span class=\"shariff-text\">Payla\u015f<\/span>&nbsp;<\/a><\/li><li class=\"shariff-button facebook shariff-nocustomcolor\" style=\"background-color:#4273c8\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.kryptoakademie24.de%2Ftr%2Ftopnews%2Ftschuess-bargeld.html\" title=\"Facebook&#039;ta Payla\u015f\" aria-label=\"Facebook&#039;ta Payla\u015f\" role=\"button\" rel=\"nofollow\" class=\"shariff-link\" style=\"; background-color:#3b5998; color:#fff\" target=\"_blank\"><span class=\"shariff-icon\" style=\"\"><svg width=\"32px\" height=\"20px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 18 32\"><path fill=\"#3b5998\" d=\"M17.1 0.2v4.7h-2.8q-1.5 0-2.1 0.6t-0.5 1.9v3.4h5.2l-0.7 5.3h-4.5v13.6h-5.5v-13.6h-4.5v-5.3h4.5v-3.9q0-3.3 1.9-5.2t5-1.8q2.6 0 4.1 0.2z\"\/><\/svg><\/span><span class=\"shariff-text\">Payla\u015f<\/span>&nbsp;<\/a><\/li><li class=\"shariff-button linkedin shariff-nocustomcolor\" style=\"background-color:#1488bf\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fwww.kryptoakademie24.de%2Ftr%2Ftopnews%2Ftschuess-bargeld.html\" title=\"LinkedIn&#039;de Payla\u015f\" aria-label=\"LinkedIn&#039;de Payla\u015f\" role=\"button\" rel=\"noopener nofollow\" class=\"shariff-link\" style=\"; background-color:#0077b5; color:#fff\" target=\"_blank\"><span class=\"shariff-icon\" style=\"\"><svg width=\"32px\" height=\"20px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 27 32\"><path fill=\"#0077b5\" d=\"M6.2 11.2v17.7h-5.9v-17.7h5.9zM6.6 5.7q0 1.3-0.9 2.2t-2.4 0.9h0q-1.5 0-2.4-0.9t-0.9-2.2 0.9-2.2 2.4-0.9 2.4 0.9 0.9 2.2zM27.4 18.7v10.1h-5.9v-9.5q0-1.9-0.7-2.9t-2.3-1.1q-1.1 0-1.9 0.6t-1.2 1.5q-0.2 0.5-0.2 1.4v9.9h-5.9q0-7.1 0-11.6t0-5.3l0-0.9h5.9v2.6h0q0.4-0.6 0.7-1t1-0.9 1.6-0.8 2-0.3q3 0 4.9 2t1.9 6z\"\/><\/svg><\/span><span class=\"shariff-text\">Payla\u015f<\/span>&nbsp;<\/a><\/li><li class=\"shariff-button info shariff-nocustomcolor\" style=\"background-color:#eee\"><a href=\"https:\/\/www.kryptoakademie24.de\/tr\/whitepaper\/\" title=\"Whitepaper\" aria-label=\"Whitepaper\" role=\"button\" rel=\"noopener \" class=\"shariff-link\" style=\"; background-color:#fff; color:#fff\" target=\"_blank\"><span class=\"shariff-icon\" style=\"\"><svg width=\"32px\" height=\"20px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 11 32\"><path fill=\"#999\" d=\"M11.4 24v2.3q0 0.5-0.3 0.8t-0.8 0.4h-9.1q-0.5 0-0.8-0.4t-0.4-0.8v-2.3q0-0.5 0.4-0.8t0.8-0.4h1.1v-6.8h-1.1q-0.5 0-0.8-0.4t-0.4-0.8v-2.3q0-0.5 0.4-0.8t0.8-0.4h6.8q0.5 0 0.8 0.4t0.4 0.8v10.3h1.1q0.5 0 0.8 0.4t0.3 0.8zM9.2 3.4v3.4q0 0.5-0.4 0.8t-0.8 0.4h-4.6q-0.4 0-0.8-0.4t-0.4-0.8v-3.4q0-0.4 0.4-0.8t0.8-0.4h4.6q0.5 0 0.8 0.4t0.4 0.8z\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><header class=\"entry-header\">\n<h1 class=\"entry-title\">Elveda nakit mi?<\/h1>\n<\/header>\n<div class=\"entry-content\">\n<p>Nakitsiz \u00f6deme i\u015flemleri yak\u0131nda teknik olarak m\u00fcmk\u00fcn olabilir. \u0130sve\u00e7'te uzun s\u00fcrmeyecek, peki ya Almanya'da? Banknotlar ve madeni paralar yak\u0131nda burada da kald\u0131r\u0131lacak m\u0131?<\/p>\n<p>\u0130sve\u00e7'te t\u00fcm perakende sat\u0131\u015flar\u0131n y\u00fczde 95'i art\u0131k dijital olarak ger\u00e7ekle\u015ftiriliyor.<\/p>\n<p>2015 yaz\u0131nda Alman h\u00fck\u00fcmetinin be\u015f ekonomi uzman\u0131ndan biri nakit paran\u0131n kald\u0131r\u0131lmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulundu. Banknot ve madeni paralar\u0131n modas\u0131 ge\u00e7mi\u015ftir ve art\u0131k amaca uygun de\u011fildir.<\/p>\n<p>Bundesbank bu g\u00f6r\u00fc\u015fe kesinlikle kat\u0131lm\u0131yor. Herkes diledi\u011fi gibi \u00f6deme yapabilmeli, diyor. Almanlar i\u00e7in nakit hala en pop\u00fcler \u00f6deme arac\u0131. Neredeyse t\u00fcm al\u0131\u015fveri\u015fler (hala) nakit olarak \u00f6deniyor.<\/p>\n<p>Ancak banka ve kredi kartlar\u0131 otel rezervasyonlar\u0131, yak\u0131t ikmali ve al\u0131\u015fveri\u015f i\u00e7in giderek daha s\u0131k kullan\u0131l\u0131yor. Veri koruma uzmanlar\u0131 \"\u015feffaf m\u00fckellef\" konusunda uyar\u0131yor. \u00d6zellikle devlet ve bankalar, para i\u015flemleriyle ilgili hassas verilere eri\u015febildikleri ve krediler ve tasarruflar i\u00e7in hesap \u00fccretlerini ve faiz oranlar\u0131n\u0131 kontrol edip belirleyebildikleri i\u00e7in bu geli\u015fmelerden fayda sa\u011flayacakt\u0131r.<\/p>\n<p>Bununla birlikte, nakit paran\u0131n kald\u0131r\u0131lmas\u0131n\u0131 destekleyen arg\u00fcmanlar da vard\u0131r. \u00d6rne\u011fin, vergi ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131, kara para aklama, yasad\u0131\u015f\u0131 i\u015fg\u00fcc\u00fc ve uyu\u015fturucu ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131 ya da sadece banka soygunlar\u0131 \u015feklinde su\u00e7lar\u0131n azalt\u0131lmas\u0131. Buna ek olarak, nakit para kullan\u0131m\u0131 - madeni paralar\u0131n bas\u0131lmas\u0131 ve banknotlar\u0131n bas\u0131lmas\u0131ndan nakit para nakil ara\u00e7lar\u0131yla da\u011f\u0131t\u0131lmas\u0131na ve sigorta masraflar\u0131na kadar - pahal\u0131d\u0131r.<\/p>\n<p>\u0130sve\u00e7'te 500'den fazla banka \u015fubesi halihaz\u0131rda tamamen nakitsizdir. \u00dclke genelinde 900'den fazla ATM kald\u0131r\u0131lm\u0131\u015ft\u0131r. Baz\u0131 kiliselerde bile art\u0131k \u00e7an torbalar\u0131 yok - ibadet edenler \u00e7\u0131k\u0131\u015fta do\u011frudan kartlar\u0131yla ba\u011f\u0131\u015fta bulunuyorlar.<\/p>\n<p>Ancak nakit para kullanmaman\u0131n dezavantajlar\u0131 da var. Uzmanlar, bilgisayar korsanlar\u0131n\u0131n neden oldu\u011fu siber su\u00e7larda keskin bir art\u0131\u015f \u00f6ng\u00f6r\u00fcyor. Buna ra\u011fmen nakitsiz \u00f6demelere y\u00f6nelik k\u00fcresel e\u011filim devam ediyor. Danimarka Merkez Bankas\u0131 2017'den itibaren art\u0131k banknot basmayaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p>Halihaz\u0131rda vatanda\u015flar\u0131n y\u00fczde 75'inin nakitsiz \u00f6deme kulland\u0131\u011f\u0131 \u0130sve\u00e7'te \"Swish sistemi\" kullan\u0131lmaktad\u0131r: burada bireyler aras\u0131ndaki \u00f6demeler bir d\u00fc\u011fmeye dokunarak bir cep telefonundan di\u011ferine aktar\u0131lmaktad\u0131r. Bu gibi mobil \u00f6deme sistemleri gelecekte de geli\u015fmeye devam edecek. Apple ve Samsung gibi sekt\u00f6r d\u0131\u015f\u0131ndan \u015firketler de pazara giriyor.<\/p>\n<p>Nakit paran\u0131n sonu teknik olarak \u00e7ok yak\u0131nda m\u00fcmk\u00fcn.<\/p>\n<p>\u0130\u015fte bu noktada blockchain merkezi bir rol oynayacakt\u0131r. O zaman paran\u0131n gelece\u011fi sonsuza dek de\u011fi\u015fecek!<\/p>\n<p>Videoda 3sat'\u0131n nakitsiz \u00f6demeye ili\u015fkin raporundan bir al\u0131nt\u0131 g\u00f6rebilirsiniz.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Nakit paraya elveda m\u0131? Nakitsiz \u00f6demeler yak\u0131nda teknik olarak m\u00fcmk\u00fcn olabilir. \u0130sve\u00e7'te bu \u00e7ok uzun s\u00fcrmeyecek.<\/p>","protected":false},"author":1,"featured_media":21345,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_mi_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/posts\/21344"}],"collection":[{"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/comments?post=21344"}],"version-history":[{"count":1,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/posts\/21344\/revisions"}],"predecessor-version":[{"id":21346,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/posts\/21344\/revisions\/21346"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/media\/21345"}],"wp:attachment":[{"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/media?parent=21344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/categories?post=21344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kryptoakademie24.de\/tr\/wp-json\/wp\/v2\/tags?post=21344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}