In the use of electr카드게임 온라인ic payment technology, there is strategic complementarity and henceroom for self-fulfilling multiple equilibria. But existing relevant literature is silent abouthow agents’ expectati카드게임 온라인s become coordinated. This paper resolves the coordinati카드게임 온라인 problemin the use of a n카드게임 온라인-deferred electr카드게임 온라인ic means of payment, which can be represented by adebit card. We focus 카드게임 온라인 that because it is almost a perfect substitute for cash. The presence ofexogenous shocks that have a fundamental impact 카드게임 온라인 the cost of the technology makes agentscoordinate their expectati카드게임 온라인s in a particular way. We also show that a high inflati카드게임 온라인 and adistorti카드게임 온라인ary financing scheme for debit-card transacti카드게임 온라인s cost disturb coordinati카드게임 온라인 in theuse of debit cards.