Description
THE END OF PHYSICAL MONEY? SITUATION AND IMPLICATIONS
Book Summary
This work offers a rigorous and accessible analysis of the potential end of physical money and its consequences for society. The reader will discover how money has evolved throughout history, from its most primitive forms to current cryptocurrencies and Central Bank Digital Currencies (CBDCs). The book examines who is really driving this transformation and who benefits from it, unveiling the advantages and disadvantages that the disappearance of cash would have for citizens. An essential read to understand the future of our daily transactions and the impact on privacy and financial freedom.
What is it about?
The book starts with a fundamental question: does the increasing digitalization of payments respond to a natural change in citizens' habits, or is it a transformation driven by states and large corporations? To answer this, the author explains what money is, how it has evolved throughout history, and what its current manifestations are: from traditional banknotes and coins to decentralized cryptocurrencies and digital currencies issued by Central Banks (CBDCs). Next, it analyzes the interests underlying the abandonment of cash, identifying the main beneficiaries of this change. Finally, it evaluates the practical implications for citizens in a balanced way, addressing both the advantages in terms of efficiency and security and the risks to privacy, financial inclusion, and personal autonomy.
Main Topics
- Historical evolution of money and its essential functions.
- Analysis of cryptocurrencies and their role in the financial system.
- Central Bank Digital Currencies (CBDCs) and their regulation.
- Economic and political interests behind the disappearance of cash.
- Social impact: privacy, financial inclusion, and freedom of choice.
Who is it recommended for?
This book is aimed at anyone interested in understanding the future of money and finance, without the need for specialized prior knowledge. It is especially useful for professionals in the banking and financial sector, economics and law students, private investors, and citizens concerned about privacy and the evolution of payment systems. It is also a recommended read for public policymakers and regulators seeking a comprehensive view of the debate on digital money.
What this book provides
- A clear and complete vision of the different forms of money that coexist today.
- An objective analysis of the interests driving monetary digitalization.
- Tools to critically evaluate the advantages and disadvantages of the end of cash.
- A rigorous and informative perspective that facilitates the understanding of a complex topic.
- Keys to anticipate how this change will affect daily life and personal finances.
Technical Data
- Author: ASTORGA SANCHEZ, JUAN ANTONIO
- Publisher: J.M.BOSCH
- Language: Spanish
- Topic: BANKING
- Collection: ECONOMIC POLICY
- Publication date: October 2025
- Number of pages: 304
- Weight: 550 g
Editorial Review
We are facing a timely and necessary work that competently addresses one of the most relevant debates in contemporary economics. Juan Antonio Astorga combines his solid academic background and extensive professional experience to offer a balanced analysis, far from alarmism and naively technophilic visions. The book stands out for its ability to make complex concepts accessible without sacrificing rigor, making it a reference for both the curious reader and the specialist. Its critical approach and attention to the social and political implications of the end of physical money make it essential reading for anyone who wants to form an informed opinion on the future of finance.