helping cashless at stores

What is a cashless society

With smartphones and mobile terminals · Credit cards · electronic money etc. have greatly made a leap by restoration of PC · Purchase of goods · Suica and other public transportation fees can be paid. Along with that, so-called cashless stores with no cash have increased as long as there is only one card or smartphone.

Country ratio of cashless settlement ratio (2007 and 2016)

キャッシュレス比率(※) 同期間におけるキャッシュレス化の進展の施策例
2007 2016 07年 → 16年
韓国 61.8% 94.6% +34.6%
  • 非現金決済利用時の消費者向け税還付制度の拡充(還付率や対象の拡大)
  • 小規模加盟店向け加盟店手数料の規制
イギリス 37.9% 68.7% +30.8%
  • ロンドン五輪(2012年)を契機とした政府主導の非接触決済(デビットカード)普及促進、決済インフラを担う専門組織による決済の高度化
オーストラリア 49.2% 59.1% +9.9%
  • 国産決済サービス(デビットカード)EFTPOSの非接触決済対応
  • インターチェンジフィー等の手数料規制
シンガポール 43.5% 58.8% +15.3%
  • 国家の電子化に早くから取り組んでいたほか、近年政府による「スマートネーション構想」のもと、ャッシュレス社会実現にかかる施策を推進中
カナダ 49.0% 56.4% +7.4%
  • 政府によるペニー硬貨の廃止や小切手の廃止
  • 低廉なインターチェンジフィー水準に関する当局と国際ブランドとの合意
スウェーデン 41.9% 51.5% +9.6%
  • 政府による脱現金社会に向けた法的な手当て(ex.店頭での現金決済お断り等)
アメリカ 33.7% 46.0% +12.3%
  • VISA・MasterCardが中心となりカード決済普及を促進、近年は非金融事業者による決済サービスが普及
フランス 29.1% 40.0% +10.9%
  • 現金支払い上限(1,000ユーロ)の設定
  • インターチェンジフィー規制の導入
インド 18.3% 35.1% +16.8%
  • 国産のデビットカードシステムRupay開発・普及促進のほか、加盟店手数料の上限設定
  • 政府主導で「デジタルインド計画」を推進中
日本 13.6% 19.8% +6.2%
  • 電子マネーの利用が拡大しているものの、引き続き現金志向が強く、キャッシュレス化進展せず
ドイツ 10.4% 15.6% +5.2%
  • 現金志向が強く、キャッシュレス化進展せず
中国(※※) (参考)
  • 北京五輪(2008年)を契機とした政府主導の銀聯カードの普及促進
  • インターチェンジフィー・加盟店手数料等規制によるアクセプタンス促進
  • (※)The cashless ratio is calculated by (card settlement (excluding electronic money) + E-money settlement) / final consumption expenditure of household (both calculated based on US $)
  • (※※)For China, it is mentioned as a reference value from the report of Better Than Cash Alliance
  • Quoted from: Ministry of Economy, Trade and Industry data "Recognition of the current situation in Japan and abroad for promotion of cashless implementation"

Reason for cashless progress in the world


Prevention of fraud

If it is not cashless, you will not be forged. It is only banks that receive money, so you do not have to worry about counterfeit bills.


Improve security

By not having cash, it can be expected to lead to crime prevention such as robbery and snatching.


Improve efficiency

By making it easier to manage day-to-day operations such as sales and payment, cost reductions and sales efficiency improve, so it is said that excessive labor can be suppressed and productivity can be raised.

In the world, cashless progress is progressing so much

No refund of cash

Do not you see what you see in shops in Japan is "credit settlement impossible". In developed countries in Europe there are many countries with signs that "cash is not accepted" on the contrary.

Public transportation fee is also card only

Only cards are on sale machines such as railroads and buses. Taxi is also card settlement only. In addition, public toilets in the station's home etc. are also commonly charged in Europe, but there are also cashless payment there, and it is only payment


Graph Cited by: Ministry of Economy, Trade and Industry material "Cashless Current Status and Promotion

The cashless ratio in Japan is about 20% if it is the latest data. Compared to 60% in China and 46% in the US, Japan's cashless implementation is behind schedule. The Japanese government has set a policy of doubling the cashless ratio by 40% by 2020, but cash settlement is common in Japan, so even if it is going to advance credit card settlement and mobile payment, consumers and Business operators are not aggressive either. However, Japan has fallen into a chronic shortage of manpower, and as a society, we must promote cashlessness and increase productivity. Also, increasing the cashless ratio as a basis for creating new services is absolutely essential to enhance the quality of life in the Japanese economy and citizens in the future.

Consultation for cashless conversion is here

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