Christine Lagarde, president of the ECB: „A digital euro could be a complement to, not a substitute for, cash”

26 septembrie 2020

The European Central Bank (ECB) is looking into the benefits and risks of a digital currency, according to its president, Christine Lagarde. Rather than as a replacement for cash, a digital euro would „complement” traditional money, she said in an introductory speech at the Franco-German Parliamentary Assembly.

„In a more digital economy, we need to ensure the strength and autonomy of European payment systems.[6] The Eurosystem is actively pursuing initiatives to achieve this. We are also exploring the benefits, risks and operational challenges of introducing a digital euro. A digital euro could be a complement to, not a substitute for, cash; it could provide an alternative to private digital currencies and ensure that sovereign money remains at the core of European payment systems,” Lagarde said.


„At the same time, we need to remove all obstacles to the development of a cross-border market for sustainable financial products. In other words, we need to finally complete the banking union and create a genuine capital markets union,” concludes the president of the European Central Bank.

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[6]Lagarde, C. (2020), “Payments in a digital world”, speech at the Deutsche Bundesbank online conference on banking and payments in the digital world, 10 September.

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Gabriela Nistor – director general adjunct BT

Tendinţele pe care le-am remarcat înainte de începerea pandemiei s-au accelerat pe perioada stării de urgenţă. Am văzut acest lucru ca o oportunitate, un tipping point pentru bancă. Post-pandemie nu avem cum sa ne întoarcem la comportamentul financiar pe care îl aveam până în februarie a.c. Relaţia românilor cu online-ul s-a schimbat. In plus, cardul fizic se va dematerializa. Vom asista la o scădere a cererii pentru cardurile fizice, respectiv la o creştere a preferinţei pentru componenta digitală a acestora.”

Sondaj

In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale in 2020?