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Volume 20  Number 3  •  Winter 2016
Other Issues:  

Bitcoin and the Future of Digital Payments
By William J. Luther
This article appeared in the Winter 2016 issue of The Independent Review

To become widely adopted, bitcoin and other alt-coins must overcome competition from existing, government-sponsored currencies and reduce the costs for consumers to switch to new payment systems. Until these challenges are met, digital currencies will likely persist only as niche monies or substitutes for very weak currencies.

 PDFRead the Full Article (PDF, 8 pages)









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