First of all Electronic money and  Cryptocurrency like  Bitcoin  is totally different.   While e-money is a mechanism for interacting with government-issued and regulated currencies such as dollars and euros, Bitcoin is a virtual currency that has no fiat currency counterpart.  As of the advantages.. while e-payment enables businesses to save time and money in transaction charges and make more sales, it is vulnerable to electronic fraud. although  some methods have already been developed in the current operation systems to avoid fraud and double spending. Speedy transaction, availability to the consumer, privacy and security are such aspects of electronic currency as far outweigh the possible risks.