# No money · Consumer Trends 2020 · Zorraquino > Cryptocurrencies and digital payments as substitutes for money. URL: https://www.zorraquino.com/en/trends/consumer-trends-2020/no-money ![No money: Cryptocurrencies and digital payments as substitutes for money.](https://cdn.sanity.io/images/0w1142l8/production/884f327c224c63fefb223f2c5a83d2e28ef95206-1024x768.webp/no-money-cryptocurrencies-and-digital-payments-as-substitutes-for-money.webp?w=1600&fit=max&auto=format&q=85) Trend 02 # No money 1. [Consumer Trends 2020Home](https://www.zorraquino.com/en/trends/consumer-trends-2020) 2. [Trend 01Silver economy](https://www.zorraquino.com/en/trends/consumer-trends-2020/silver-economy) 3. [Trend 02No money](https://www.zorraquino.com/en/trends/consumer-trends-2020/no-money) 4. [Trend 03Superfoods](https://www.zorraquino.com/en/trends/consumer-trends-2020/superfoods) 5. [Trend 04Streaming culture](https://www.zorraquino.com/en/trends/consumer-trends-2020/streaming-culture) 6. [Trend 05Conscious tourism](https://www.zorraquino.com/en/trends/consumer-trends-2020/conscious-tourism) 7. [Trend 06Re-commerce](https://www.zorraquino.com/en/trends/consumer-trends-2020/re-commerce) 8. [Trend 07Digital wellbeing](https://www.zorraquino.com/en/trends/consumer-trends-2020/digital-wellbeing) 9. [Trend 08AI First](https://www.zorraquino.com/en/trends/consumer-trends-2020/ai-first) 10. [Trend 09Brand ideology](https://www.zorraquino.com/en/trends/consumer-trends-2020/brand-ideology) 11. [Trend 10Techno humans](https://www.zorraquino.com/en/trends/consumer-trends-2020/techno-humans) No money Cryptocurrencies and digital payments as substitutes for money. ## At a glance Payment services are one of the financial activities that generate the most interaction with customers and, in turn, the highest level of income for banks. That is why innovation in the sector is now constant and has led to new payment methods that seek to optimise the customer experience. The move away from cash, mobile, instant and contactless payments and cryptocurrencies have burst onto a scene that is being opened up by law to Open Banking, giving customers greater control over their data… ## Cases 01 / 05 Zorraquino spotlights 1. 01 Mobile phones are taking centre stage in the digitalisation of payments in developed economies through contactless technologies. 2. 02 Despite falls in cryptocurrency prices, the technology behind them offers opportunities to digitalise and decentralise cash. 3. 03 Regulations and platforms are being introduced to spread knowledge of cryptocurrencies to communities outside the technology and financial sectors in order to boost their use in society. ## More on the trend ### References - [New Zealand just became the first country to legalize salary payments in cryptocurrencies (BTC)](https://markets.businessinsider.com/news/stocks/new-zealand-legalizes-cryptocurrency-salaries-including-bitcoin-2019-8-1028442320) - [Gracias App Pilot Program Spreading Bitcoin To Younger, More Diverse Communities](https://www.prnewswire.com/news-releases/gracias-app-pilot-program-spreading-bitcoin-to-younger-more-diverse-communities-300890883.html) - [Auto Trader launches car vending machine](https://www.prweek.com/article/1594573/auto-trader-launches-car-vending-machine) - [Una máquina expendedora de coches se deja ver por Londres](https://www.top10motor.com/maquina-expendedora-coches/) - [Samsung Pay Touch turns your Galaxy phone into a payment terminal](https://www.xda-developers.com/samsung-pay-touch-galaxy-phone-payment-terminal/) - [The CashCuff® - The World's First Smart Payment Shirt](https://www.dresscodeshirts.co.uk/pages/the-cashcuff%C2%AE-the-worlds-first-smart-payment-shirt) - [Debit card with built-in fingerprint reader begins trial in the UK](https://www.theverge.com/2019/3/11/18259624/natwest-gemalto-debit-card-fingerprint-scanner-biometric-contactless-nfc-uk) - [Cadillac ParkWhiz app helps avoid endless circling to find parking](https://www.autoblog.com/2019/07/20/cadillac-marketplace-parkwhiz-parking-app/) Pages 58–80 of the report [![Superfoods: Real food, artificial food and foodstitutes.](https://cdn.sanity.io/images/0w1142l8/production/ef88429f5c5127f1d36560358df0548a4c458901-1600x900.webp/superfoods-real-food-artificial-food-and-foodstitutes.webp?w=1600&fit=max&auto=format&q=85)](https://www.zorraquino.com/en/trends/consumer-trends-2020/superfoods) Next trend · 03 [Superfoods](https://www.zorraquino.com/en/trends/consumer-trends-2020/superfoods)