The impact of new technology on payment methods is not only to change, it can even be said to be a complete subversion.

OMFIF reviewed the future payment methods. Mobile phone ownership and telecommunication technology are pushing the digital economy forward. The demand for real-time settlement and a large number of low-cost payment settlements are growing rapidly among retail enterprises and private enterprises. Consumers value the ability to transfer funds instantly within 24 hours. During the novel coronavirus pneumonia epidemic, due to public health considerations, the high efficiency, convenience, universality, and the safety of digital exchanges reduced the cash dependency.

However, a report by OMFIF, "Digital Currency: The Problem of Trust", shows that, whether in developed or emerging economies, cash is still the most popular payment method from a global perspective. Generally speaking, respondents would think that when cash is used as a payment tool, its five key indicators (security, privacy, ease of use, speed, and acceptability) show the best state, followed by credit cards and debit cards.

When asked about the most preferred features of payment methods, respondents in all countries agreed that security is the most important, while payment speed is the least valued. The digital currency scores low on security features and performs well in terms of speed, which indicates that if digital currency wants to be widely used, its security features must be improved.