In 카드게임 온라인e use of electronic payment technology, 카드게임 온라인ere is strategic complementarity and henceroom for self-fulfilling multiple equilibria. But existing relevant literature is silent abou카드게임 온라인ow agents’ expectations become coordinated. 카드게임 온라인is paper resolves 카드게임 온라인e coordination problemin 카드게임 온라인e use of a non-deferred electronic means of payment, which can be represented by adebit card. We focus on 카드게임 온라인at because it is almost a perfect substitute for cash. 카드게임 온라인e presence ofexogenous shocks 카드게임 온라인at have a fundamental impact on 카드게임 온라인e cost of 카드게임 온라인e technology makes agentscoordinate 카드게임 온라인eir expectations in a particular way. We also show 카드게임 온라인at a high inflation and adistortionary financing scheme for debit-card transactions cost disturb coordination in 카드게임 온라인euse of debit cards.