Dominância dos meios de pagamento: Efeitos sobre o dinheiro em espécie e os sistemas alternativos sob uma perspectiva bibliométrica

Leonardo Molero; Rosalvo Ermes Streit; Eduardo Amadeu Dutra Moresi; Matheus Silva de Paiva

doi:10.5007/2175-8085.2025.e108927

Authors

Leonardo Molero Universidade Católica de Brasília https://orcid.org/0009-0001-2972-2539
Rosalvo Ermes Streit Universidade Católica de Brasília https://orcid.org/0000-0003-4479-7966
Eduardo Amadeu Dutra Moresi Universidade Católica de Brasília https://orcid.org/0000-0001-6058-3883
Matheus Silva de Paiva Universidade Católica de Brasília https://orcid.org/0000-0001-9882-1496

DOI:

https://doi.org/10.5007/2175-8085.2025.e108927

Keywords:

digital payment methods , physical cash circulation, technological acceptance , bibliometrics

Abstract

Objective: The transition to digital payment methods represents a transformation in contemporary monetary systems, driven by technological advances, behavioral changes, and regulatory demands. This process reconfigures traditional dynamics, impacting the effectiveness of monetary policy and financial stability. This study investigates the effects of the dominance of certain payment methods on the circulation of physical money and the viability of alternative systems. The investigation is based on a bibliometric analysis of 1,543 documents indexed in the Scopus database between 1967 and 2025.

Method: The research employed the Bibliometrix software, using approaches such as keyword co-occurrence, thematic mapping, and factor analysis, complemented by visualizations in VOSviewer and Gephi. The results highlight the consolidation of topics such as mobile payments, central bank digital currencies (CBDCs), and cryptocurrencies. These topics are conceptually structured in technology acceptance models, such as the Technology Acceptance Model (TAM), the Theory of Planned Behavior (TPB), and the Unified Theory of Acceptance and Use of Technology (UTAUT).

Results: The analysis revealed the coexistence of technical, institutional, and behavioral agendas in the trajectory of physical money substitution. It is concluded that the hegemony of a payment method results not only from its technical innovation but also from institutional legitimation and social acceptance.

Conclusions: The article contributes to the understanding of ongoing monetary transformations, offering directions for future research on digital governance, financial inclusion, and the distributive impacts of demonetization.

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Dominance of payment methods: Effects on cash and alternative systems under a bibliometric perspective

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