A new motion in the Bern Cantonal Parliament seeks to legally require restaurants and other hospitality businesses to accept cash payments. This proposal comes as more establishments in the canton move towards digital-only transactions, raising concerns about access and economic fairness for certain groups of people.
Key Takeaways
- A cross-party motion proposes mandatory cash acceptance for Bernese hospitality businesses.
- The move aims to protect the right to pay with physical Swiss francs.
- Concerns exist that digital-only payments exclude older individuals and those without digital access.
- Small businesses may face higher costs with electronic payment systems.
Motion Filed to Ensure Cash Payments
Six Grand Councillors officially submitted the motion titled "Right to Pay with Cash in the Hospitality Industry" to the Bern Cantonal Parliament on Tuesday. The motion calls for clear legal rules to ensure that cash remains an accepted form of payment across all hospitality sectors in the Canton of Bern. This initiative reflects a growing debate about the future of physical currency in daily transactions.
The group behind the proposal includes representatives from multiple political parties. These are Nils Fiechter (SVP), Beat Cattaruzza (GLP), René Maeder (The Centre), Hans Schär (FDP), Samuel Kullmann (EDU), and Adrian Spahr (SVP). Their combined effort highlights the broad concern regarding the shift away from cash.
Fact: Legal Tender Status
According to the Swiss Federal Law on Currency and Payment Instruments (WZG), Swiss banknotes and coins are designated as legal tender. This means they must generally be accepted for payments.
Freedom of Payment Under Threat
The motion text states that an increasing number of hospitality businesses in Bern are refusing cash. They only accept electronic or digital payment methods. This trend, according to the councillors, restricts the freedom of individuals to pay with the legal tender of Switzerland: Swiss francs in coins and notes.
"This development restricts the freedom to pay with the legal tender – the Swiss franc in coins and notes," the motion text explains. This sentiment underscores the core argument of the proponents.
While Swiss law mandates the acceptance of legal tender, private businesses currently have the ability to opt out of cash payments. They can do this by displaying clear signs, such as "No Cash Payment." This practice is at the heart of the current legislative debate.
Impact on Vulnerable Groups and Businesses
Critics argue that limiting cash payments creates disadvantages for specific population segments. These include older people who may not use digital payment methods, young people without credit cards, and individuals who do not have a bank account. Furthermore, some people prefer cash for privacy reasons.
Background: Digital Payment Growth
The use of digital payment methods has significantly increased in recent years. This rise is driven by convenience, technological advancements, and, in some cases, public health considerations. However, this shift has also sparked discussions about financial inclusion and consumer choice.
The motion also addresses economic concerns for smaller establishments. Electronic payment systems often come with higher transaction fees for small businesses compared to larger retailers. This can lead to an uneven playing field. The councillors believe consumers should have the option to consciously choose cash.
- Older individuals: Often less familiar or comfortable with digital tools.
- Young people: May lack access to credit cards or bank accounts.
- Unbanked populations: Rely entirely on cash for transactions.
- Privacy advocates: Prefer cash for anonymous transactions.
Public Opinion on Cash Payments
Public sentiment on cash usage varies. A recent informal poll showed diverse opinions on the importance of cash. Some residents prefer cash for its tangibility and ease of budgeting. Others embrace digital methods for their speed and convenience.
The debate in Bern reflects a broader national and international discussion. Many countries are grappling with how to balance the benefits of digital innovation with the need to ensure financial access for all citizens. The outcome in Bern could set a precedent for other regions.
Ensuring cash acceptance is not just about a payment method. It is also about preserving financial inclusion and consumer choice. The motion highlights these fundamental rights in an increasingly digital world. The Cantonal Parliament will now review the proposal, considering its potential impacts on residents and businesses.
The Path Forward for the Motion
The motion will undergo parliamentary procedures. This includes committee discussions and debates among the Grand Councillors. Lawmakers will evaluate the economic, social, and legal implications of mandating cash acceptance.
If passed, the Bern Cantonal Government would be tasked with drafting specific legislation. This legislation would outline how hospitality businesses must implement the cash acceptance requirement. The process could take several months or even longer, depending on the complexity and political consensus.
The discussion also touches upon the role of the Swiss National Bank (SNB). The SNB is responsible for issuing banknotes and coins. Its mandate includes ensuring the availability of cash as a payment method. This provides a stable foundation for the financial system.
Statistic: Cash Use Trends
While digital payments are rising, cash remains a significant payment method for many daily transactions in Switzerland. Exact percentages vary by sector, but cash is still widely used for small purchases and in certain demographic groups.
The motion seeks to clarify the legal obligations of businesses. It aims to prevent a complete phasing out of cash. This would ensure that no segment of the population is left behind in the evolving payment landscape.