DIGITAL CURRENCY OF THE CENTRAL BANK: RISKS AND WAYS OF GLOBALIZATION
| Autor: | A.A. Orozonova, Zh.M. Bulakbay, A. Bekbolsynova, M.A. Serikova, A.O. Zhagyparova |
|---|---|
| Rok vydání: | 2021 |
| Předmět: | |
| Zdroj: | THE BULLETIN. 5:28-38 |
| ISSN: | 2518-1467 1991-3494 |
| DOI: | 10.32014/2021.2518-1467.164 |
| Popis: | The central bank's digital currency (CBDC) is a digital form of the country's currency that is regulated by the country's central currency. Although the central bank is the issuer of digital currency, this type of money carries certain risks for users / consumers, the financial / banking system and the state. However, the nature of the risks and their potential impact will be significantly different from the risks of circulation of individual cryptocurrencies. [1-4]. For commercial banks, the CBDC is a type of money that competes with bank accounts. In recent years, banks have begun to pay more attention to ensuring that their accounts can be used for money transfers, including among individuals. The growth rate of money transfers is compared with the growth rate of cash and card payment transactions at ATMs. Part of these remittances is payment for goods and services. If citizens are willing to use e-money for everyday needs, then the CBDC can also perform the function of storing value (such as cash and current accounts in banks). The competitiveness of the CBDC compared to banking systems may depend on the design of the central bank's retail digital currency. In recent years, significant changes have taken place in the field of money circulation, both in Kazakhstan and around the world. Many people today use non-cash forms of payment for goods and services. The idea of creating a national digital currency today. The day is one of the most topical topics. |
| Databáze: | OpenAIRE |
| Externí odkaz: |
|