{"id":98488,"date":"2026-01-22T14:47:08","date_gmt":"2026-01-22T14:47:08","guid":{"rendered":"https:\/\/apgsolutions.com\/redefining-cash-will-it-still-mean-bills-and-coins\/"},"modified":"2026-01-22T14:47:09","modified_gmt":"2026-01-22T14:47:09","slug":"redefining-cash-will-it-still-mean-bills-and-coins","status":"publish","type":"post","link":"https:\/\/apgsolutions.com\/fr\/redefining-cash-will-it-still-mean-bills-and-coins\/","title":{"rendered":"Red\u00e9finir l’argent liquide : S’agira-t-il encore de billets et de pi\u00e8ces de monnaie ?"},"content":{"rendered":"\t\t
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Red\u00e9finir l’argent liquide ? Plus que des billets et des pi\u00e8ces de monnaie <\/strong><\/div>\n\n

Le mot \u00ab\u00a0argent liquide\u00a0\u00bb \u00e9voque les billets de banque et les pi\u00e8ces de monnaie. Mais nous utilisons \u00e9galement ce terme pour d\u00e9signer quelque chose d’autre que la monnaie l\u00e9gale, g\u00e9n\u00e9ralement dans un contexte comparatif. <\/p>\n\n

Par exemple, un concessionnaire automobile vous demandera si vous financez un v\u00e9hicule ou si vous payez en esp\u00e8ces, alors que le terme \u00ab\u00a0esp\u00e8ces\u00a0\u00bb d\u00e9signe un ch\u00e8que ou un virement bancaire. Lorsqu’un conseiller financier parle d’argent liquide ou d’investissements, le terme \u00ab\u00a0argent liquide\u00a0\u00bb fait r\u00e9f\u00e9rence aux liquidit\u00e9s des comptes d’\u00e9pargne et des comptes courants. En revanche, lorsque les caissiers des points de vente vous demandent si vous payez en esp\u00e8ces ou \u00e0 cr\u00e9dit, ils parlent de billets et de pi\u00e8ces de monnaie. <\/p>\n\n

Cependant, m\u00eame au point de vente, la signification de l’argent liquide est en train d’\u00eatre red\u00e9finie. La d\u00e9cision de supprimer l’argent liquide dans les concessions du l\u00e9gendaire Fenway Park de Boston a donn\u00e9 lieu \u00e0 une interpr\u00e9tation int\u00e9ressante de la part du procureur g\u00e9n\u00e9ral du Commonwealth, Maura Healey. Elle a d\u00e9cid\u00e9 qu’il n’y avait pas de probl\u00e8me \u00e0 ce que le stade des Red Sox ait des stands de vente sans argent liquide, car les clients ont la possibilit\u00e9 de convertir l’argent liquide en cartes pr\u00e9pay\u00e9es pendant qu’ils sont au parc. <\/p>\n\n

Quelle est l’importance de cette loi ? Depuis 1976, le Massachusetts dispose d’une loi interdisant aux commer\u00e7ants de refuser les paiements en esp\u00e8ces : \u00ab\u00a0Aucun \u00e9tablissement de vente au d\u00e9tail proposant des biens et des services \u00e0 la vente ne doit exercer de discrimination \u00e0 l’encontre d’un acheteur qui paie en esp\u00e8ces en exigeant qu’il utilise un cr\u00e9dit pour acheter ces biens et services. Tous ces \u00e9tablissements de vente au d\u00e9tail doivent accepter la monnaie l\u00e9gale lorsqu’elle est propos\u00e9e comme moyen de paiement par l’acheteur\u00a0\u00bb. <\/p>\n\n

Mme Healey, qui avait mis en garde les entreprises contre le refus de paiements en esp\u00e8ces pendant la pand\u00e9mie, a justifi\u00e9 sa d\u00e9cision en d\u00e9clarant : \u00ab\u00a0La loi dit que les gens doivent pouvoir entrer et faire des achats en utilisant des moyens de paiement l\u00e9gaux : \u00ab\u00a0La loi stipule que les gens doivent pouvoir entrer et faire des achats en utilisant la monnaie l\u00e9gale. Traditionnellement, il s’agissait d’argent liquide, mais tant qu’il existe des syst\u00e8mes permettant l’utilisation d’argent liquide, essentiellement par l’interm\u00e9diaire de ces cartes, nous pensons que cela fonctionnera\u00a0\u00bb.<\/p>\n\n

Mme Healey semble r\u00e9interpr\u00e9ter ce que signifie l’utilisation d’une monnaie physique, puisque les consommateurs doivent d’abord se rendre \u00e0 un kiosque pour convertir l’argent liquide en une carte pr\u00e9pay\u00e9e accept\u00e9e par les concessionnaires. Sa d\u00e9cision intervient alors qu’un projet de loi visant \u00e0 interdire aux commer\u00e7ants d’accepter des esp\u00e8ces fait son chemin au Congr\u00e8s. La loi \u00ab\u00a0Payment Choice Act\u00a0\u00bb a \u00e9t\u00e9 approuv\u00e9e en juillet par la Chambre des repr\u00e9sentants. Elle est maintenant soumise au S\u00e9nat. <\/p>\n\n

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\u00c9tapes suppl\u00e9mentaires<\/strong><\/p>\n\n

La bonne nouvelle pour les clients du Fenway est qu’ils peuvent toujours utiliser de l’argent liquide, mais pas dans le sens traditionnel du terme. Ils peuvent toutefois se fixer un budget pour la journ\u00e9e et s’y tenir. La grande diff\u00e9rence est qu’un achat \u00e0 un stand de concession n\u00e9cessite une \u00e9tape suppl\u00e9mentaire, \u00e0 savoir l’obtention d’une carte pr\u00e9pay\u00e9e. La question se pose \u00e9galement de savoir ce qu’il advient des soldes restants \u00e0 la fin d’un \u00e9v\u00e9nement. Les clients doivent-ils retourner au kiosque avant de quitter le parc, et combien de temps cela prend-il ? <\/p>\n\n

L’exp\u00e9rience de l’acheteur \u00e0 Fenway est loin d’\u00eatre unique. Les kiosques qui traitent toutes sortes de transactions mon\u00e9taires font leur apparition dans les lieux de divertissement, les stades et les universit\u00e9s. Outre les conversions en esp\u00e8ces et en cr\u00e9dit et le retour aux esp\u00e8ces, les kiosques commencent \u00e0 offrir de nombreuses autres fonctionnalit\u00e9s. Ils permettent notamment de charger de l’argent dans des portefeuilles num\u00e9riques, de diviser les billets en petites coupures et m\u00eame de faciliter les pr\u00eats \u00e0 court terme. <\/p>\n\n

Les kiosques sont certes pratiques. Mais comme tout autre syst\u00e8me connect\u00e9 \u00e0 un r\u00e9seau, ils sont susceptibles de subir des pannes. Lorsque les r\u00e9seaux de paiement tombent en panne, il ne reste plus qu’un seul moyen de r\u00e9gler un achat : l’argent liquide sous forme de billets et de pi\u00e8ces. <\/p>\n\n

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Red\u00e9finir l’argent liquide ? Plus que des billets et des pi\u00e8ces de monnaie Le mot \u00ab\u00a0argent liquide\u00a0\u00bb \u00e9voque les billets de banque et les pi\u00e8ces de monnaie. Mais nous utilisons \u00e9galement ce terme pour d\u00e9signer quelque chose d’autre que la monnaie l\u00e9gale, g\u00e9n\u00e9ralement dans un contexte comparatif. Par exemple, un concessionnaire automobile vous demandera si […]<\/p>\n","protected":false},"author":1110,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[611,620,654,650,622,621,619,652,653],"tags":[655,658],"category_press":[],"class_list":{"0":"post-98488","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-b2b","7":"category-commerces","8":"category-gestion-de-tresorerie","9":"category-largent-liquide-est-roi","10":"category-lindustrie","11":"category-leadership-eclaire","12":"category-tendances-de-lindustrie","13":"category-traitement-des-paiements","14":"category-traitement-des-paiements-securite","15":"tag-argent-liquide","16":"tag-pos"},"yoast_head":"\nRed\u00e9finir l'argent liquide : S'agira-t-il encore de billets et de pi\u00e8ces de monnaie ?<\/title>\n<meta name=\"description\" content=\"Le mot "argent liquide" \u00e9voque les billets de banque et les pi\u00e8ces de monnaie. 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