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1、DigitalCurrencyandtheFutureofTransactingKatherineStewart,SalilGunashekarandCatrionaManvilleigitaltechnologyhasnotjustchangedthewaythatwebankaccountdetails;thegrowingnumbersofwebusersfacilitatedcommunicatewithoneanother,ithasallowednewwebsitesandservicesbasedentirelyon
2、onlineadvertisingrevenue;platformsandmediumsoftransactiontoemergewhichandimprovedpaymentandmessagingsystemsfacilitatedtheonlineDcouldfundamentallyalterthenatureofhowweorganisepresenceofestablishedbusinesses,thegrowthofnicheonlineshopstheexchangeofgoodsandservices.Earl
3、ymessageservicesallowedabletoaccessawidermarket,anddedicatede-commercegiantssuchpotentialbuyersandsellerstoconnectandarrangeofflineexchanges;asAmazonandeBay.Atthesametime,innovationsinpaymentimprovedencryptionmethodsallowedthedirectcommunicationofplatformshaveledtoadi
4、minishingroleforphysicalcurrency,evenDigitalplatformsandthefutureofnon-monetaryexchangeTheabilityofdigitalplatformstoconnectpeopleofferinggoodsandserviceswithpotentialrecipientsgoesbeyondfinancialexchangeandcommerce;recentyearshavealsoseentheemergenceofnewplatformsforn
5、on-monetaryexchangeandbartering.Theseincludeplatformsforvoluntarydonationofgoods,suchasFreecycle;platformstoexchangeservices,suchastheInternationalCommunityExchangeSystem,whichconnectslocaltimebankinginitiativesacrosstheglobetoallowinternationalexchangeofser-vices;and
6、newplatformstoconnectwillingvolunteerswithorganisationsinneed,includingonlineorremotevolunteeringandmicro-volunteering(suchastheUNOnlineVolunteerssite,hostedbytheUnitedNations).mentsforIPcontent,suchassongsandarticlesonceonlyNewplatformsandmediumsoftransactionavailabl
7、easbundledcontent;andcashlessoperatingmodels,couldfundamentallyalterthenatureofsuchasTransportforLondon’smovetoacashlessbusandtubehowweorganisetheexchangeofgoodsinfrastructure.Meanwhile,connectivityofferedbythewebandserviceshasallowedfornewbusinessmodelsandmarketstruc
8、turestoemerge,includingtheriseofthe‘gigeconomy’andmicro-onthehighstreet.In2016,78percentofallretailspendingintheloanandcrowd
