E-money, or electronic money, refers to money that exists purely in digital form. The concept of e-money has been around for several decades, with various forms of electronic payment systems and currencies emerging over time. There isn't a single founder of e-money, as it has evolved through the efforts of many individuals, companies, and financial institutions contributing to the development of digital payment methods. Some key milestones in the history of e-money include the introduction of credit cards, online banking, and cryptocurrencies like Bitcoin.
