Call for papers

Abstract submission deadline: March 30, 2014 


For centuries, coins and bills were the only options to make purchases and to transfer money between people and organizations. The second half of the last century witnessed the introduction of plastic cards, Electronic Fund Transfer, Internet banking, and pre-paid payment cards all aimed at making payment more efficient. With advances in IT a number of new payment solutions has emerged, including, e.g. premium SMS payments, M-PESA, Pay Pal, Google Wallet, Swish, Bitcoin, Flatter, Square-Up, Seamless, and Klarna. Many innovations offer advantages in terms of costs, security, and convenience, but they also pose a number of challenges and risks related to, at least, technical standards, data security, legal issues, and consumer behavior. Overall, these innovations are changing consumers’ perception and experience of money and paying.

Innovation processes in payments are promoted by different groups of actors (like financial institutions, software companies, merchants, and mobile operators) and by international governmental agencies (like the European Central Bank). New payment services attract attention in media, but they also trigger a debate on the cashless society.

The development towards a cashless society affects our life. It will have an impact on the actors in the payment eco-system, leading to a number of both anticipated as well as unanticipated consequences on the individual, organizational, and society levels. These consequences are of critical importance and need to be explored. We therefore stress the importance of investigating a cashless society from multiple perspectives including economics, technical, infrastructure, sociological, anthropological, design, and information systems, to mention a few.

This roundtable will examine the consequences and impact of a cashless society from multiple perspectives at different levels of analysis. Specifically, topics of interest may include (but are not limited to) the following:

  • Cash in the future
  • New payment solutions as disruptive technologies
  • Social consequences of a cashless society
  • Digitalization of money
  • Changes in the payment eco-system
  • Emerging payment business models
  • Role of money and payments in society
  • Economics of payments
  • Emerging payment technologies, e.g. mobile payments, Bitcoin, Flatter, etc.
  • Designing new payments and technologies, e.g. NFC, Bio metric payments, etc.
  • Integrity and privacy issues

We will charge participants a fee of 125€ +25% VAT  including a light buffet dinner for the first day and lunch and coffee for two days.

If you have questions, please contact the Roundtable Chairs Jan Markendahl ( or Niklas Arvidsson (