The concept of credit dates back at least 5,000 years. Archaeologists unearthed clay tablets that show agreements between Mesopotamians and merchants from nearby Harappa to buy something in the moment and pay for it later. Globally, there are no “cashless countries,” but several are getting close. Canada tops the list, with Sweden, the U.K., France and the United States rounding out the top five. What impact could a new monetary system have on the U.S. dollar as the world’s reserve currency? Could the U.S. dollar be replaced? If so, by what? And when? This question is top of mind for global executives and central to VISION by Protiviti’s exploration of the future of money.