The Resilience of Cash in the Face of Digital Payments: Exploring Determinants in the Moroccan Context
摘要
Contrary to expectations that the demand for cash would decrease with the availability and use of digital payment methods, the demand for cash has increased almost everywhere. Faced with this paradox, this article seeks to determine, after an analysis of the facts and a review of scholarly literature, the major reasons for the preference for cash transactions, abstracting from the constraints of studies level or income. Thus, a survey was conducted among a cohort of Moroccan professors, and the results of the questionnaire analysis reveal that the attachment to cash is explained by rational rather than technophobic reasons: compared to various digital payment methods, cash stands out for its ease, cost-free nature, universality, resilience, and inclusiveness. It helps preserve good budget management, ensures freedom, and protects personal data.