The best replacement for efectivo is tarjeta de credito.

The best alternatives to efectivo are rated as following:
★★★★★  tarjeta de credito
★★★★★  flujo de caja
★★★★★  debito
★★★★  estado de resultados
★★★  utilidad neta
★★★  eficaz
★★  utilidad
★★  flujo de fondos
★  utilidad contable
★  ingreso contable

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Google Trends

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efectivo
tarjeta de credito
flujo de caja