Payment behaviour is changing. Cash is being used less and less with the generalisation of bank card payments: just 28% of the amount of point-of-sale transactions is made in cash according to the Banque de France, and is declining year-on-year.
In order to support these societal changes, improve the efficiency of payment systems and remain competitive, central banks are exploring the potential of innovative technologies. The ambition of creating a Central Bank Digital Currency (CBDC) is not to replace cash but to offer an alternative.
Glej: Ripple Pilots a Private Ledger for Central Banks Launching CBDCs
Presented as a digital token, CBDC supports solutions to societal issues such as financial inclusion. For example, it makes it possible to democratise access to the financial system for the “unbanked” access to mobile telephony, whose networks are much wider than the banking network. The ability to receive and send money is very important for disadvantaged members of society, allowing them to escape from poverty.
Today, most central banks are working on CDBC projects and, as announced by the European Central Bank, the project of a digital euro should see the light of day within five years.
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Download the PwC Global CBDC Index (42 page PDF) –> here
O National Crowdfunding & Fintech Association (NCFA Canada) je ekosistem finančnih inovacij, ki ponuja izobraževanje, tržno inteligenco, vodenje industrije, možnosti povezovanja in financiranja ter storitve za tisoče članov skupnosti in tesno sodeluje z industrijo, vlado, partnerji in podružnicami, da bi ustvaril živahen in inovativen fintech in financiranje industrija v Kanadi. Decentralizirana in distribuirana NCFA sodeluje z globalnimi zainteresiranimi stranmi in pomaga pri inkubiranju projektov in naložb v fintech, alternativne finance, crowdfunding, medsebojno financiranje, plačila, digitalna sredstva in žetone, blockchain, kripto valute, regtech in insurtech sektorje. pridruži se Kanadska skupnost Fintech & Funding danes BREZPLAČNO! Ali pa postanite prispeva član in dobiš perke. Za več informacij obiščite: www.ncfacanada.org
Source: https://ncfacanada.org/central-bank-digital-currencies-towards-global-adoption/
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