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  • 19 janvier 2018 - 08:15
  • Joël Burri 3915 signes
Economie

Bientôt un lecteur de carte dans le tronc d’église?

carte de crédit tendue CC(by) CafeCredit.com via https://flic.kr/p/NmbcVPMême pour de petits montants le recours au payement en espèce n’est plus automatique. Un défi pour les Églises?

Par Joël Burri

Photo:  CC(by) CafeCredit.com

À l’heure de l’offrande, il est désormais possible de payer en bitcoins à l’Église évangélique International Christian Fellowship (ICF) de Zurich. Le diocèse de Paris, quant à lui, est parvenu à glisser un smartphone et un lecteur de carte sans contact dans un panier en osier pour permettre les offrandes grâce à ce moyen de payement. Alors, bientôt finie la piécette glissée dans le tronc?

«Les Suisses restent attachés aux espèces. Ils sont assez conservateurs», constate Philippe Bacchetta. Professeur de macroéconomie à la Faculté des hautes études commerciales (HEC) de l’Université de Lausanne. «Bien sûr, on constate que les Suisses ont recours à la carte pour des montants de plus en plus faibles, mais en comparaison européenne le mouvement est lent.» Et les Suisses restent aussi attachés aux grosses coupures. «Malgré les pressions internationales qui demande la suppression de la coupure de 1000fr de pour améliorer la surveillance des flux financiers, il n’est pas envisageable pour la Banque Nationale de la retirer, car elle est appréciée.» Fruit de différences culturelles ou des politiques d’encouragement menées par les banques, pour l’économiste, il est difficile d’expliquer la variété des comportements des consommateurs. «Ce qui est sûr, c’est que ce n’est pas lié à l’accès aux technologies ou au niveau socio-économique: regardez aux États-Unis, le billet est encore très utilisé. Payer un taxi par carte, par exemple, ce n’est pas dans les habitudes.»

Pionnier à tout prix

Alors, ICF va-t-elle à contre-courant des pratiques suisses? «Dans ce domaine aussi, nous souhaitons être des pionniers», explique Nicolas Legler, porte-parole de l’Église interrogé par l’agence de presse évangélique allemande Idea, dans une dépêche repérée par évangéliques.info. Le site d’actualité constate d’ailleurs: «pour l’instant, l’Église n’a pas la possibilité de faire elle-même des achats en bitcoins. Elle peut donc garder ces dons en réserve, ou les convertir en monnaie conventionnelle.»

À Paris, c’est un smartphone et un lecteur de carte sans contact qui sont installés dans un panier à dons. Le fidèle choisi le montant qu’il veut offrir et approche sa carte du lecteur pour valider le payement, selon le site web du «Nouvelliste».

Les Suédois sont probablement ceux qui semblent être les plus proches d’abandonner les espèces au moment de la quête. Dans ce pays c’est surtout par «Swish» que de nombreuses transactions sont faites. Cette application pour smartphone permet de payer des amis, des associations ou même des entreprises soit en scannant un code QR, soit en utilisant le numéro de téléphone d’un autre utilisateur de l’application, de façon un peu similaire à ce qu’il est possible de faire entre utilisateurs de l’application suisse Twint.

Expérience inspirante

Les paroisses réformées romandes suivent-elles la même tendance? «Aucun essai n’a été fait à ma connaissance», répond Myriam Karlström conseillère synodale de l’Église évangélique réformée du canton de Vaud, à la tête des finances. Elle ajoute que certaines paroisses utilisent un compte PayPal surtout sur le web. Du côté de l’Église réformée évangélique du canton de Neuchâtel, Angélique Neukomm, responsable de la communication avoue suivre ce qui se fait dans le nord de l’Europe: «on réfléchit à utiliser des solutions permettant les dons sur téléphone ou tablette.»

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