找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

瑞典央行已聘请埃森哲(Accenture)开发其电子货币数字货币试点项目

2019-12-14 16:27

 

瑞典央行周五在新闻稿中宣布,瑞典央行已聘请埃森哲(Accenture)开发其电子货币数字货币试点项目。

埃森哲将建立电子克朗面向消费者的功能-例如用户如何在各种移动平台上付款-并在带有“模拟商店”的测试环境中运行它们。其最初的合同为期一年,但Riksbank表示可以接受多达七年的测试。

瑞典央行目前尚未承诺发行电子克朗。

不管有什么限制,中央银行打算在今年晚些时候签署的伙伴关系,将使这个斯堪的纳维亚国家期待已久的电子克朗走得更近一步。

这样的发展可能会利用瑞典对实物现金的日益厌恶。瑞典人非常喜欢使用无现金支付方式,以至于加拿大央行副行长蒂莫西·莱恩(Timothy Lane)表示,实体克朗已不再使用。

莱恩在费城美联储11月的金融技术会议上说:“实际上,您正在[瑞典]达到临界点。” “商人越来越拒绝接受钞票,而银行也越来越不提供处理钞票的服务。”

无现金的金融逆风促使瑞典央行在较新的央行数字货币(CBDC)涌入之前很久就开始研究电子瑞典克朗。 2016年,该行副行长塞西莉亚·斯金斯利(Cecilia Skingsley)表示,瑞典央行正在“面临压力”,要摆脱硬币和票据,而公众对此大为反对。

然后开始深入研究电子克朗。两份报告(第一份于2017年9月发布,第二份报告于一年后发布)概述了从数字货币的法律影响到其对银行贷款利率影响的所有内容。

值得注意的是,这些报告显示,Riksbank保留将任何这种数字货币基于区块链或分布式账本技术(DLT)的意愿,Riksbank将其标记为“低效技术”。但是,其2018年的报告指出,“电子克朗应该可以进行交互DLT解决方案。”

目前尚不清楚埃森哲提议的电子克朗将使用哪种技术。瑞典央行在其2019年6月的提案征集中对采购流程进行了分类,当时在新闻稿中称该信息“对国家安全至关重要”。

 

Sweden’s central bank has tapped Accenture to develop its e-krona digital currency pilot project, the Riksbank announced in a press release Friday.

Accenture will build out the e-krona’s consumer-facing features – such as how a user would pay on various mobile platforms – and run them in a test environment with “simulated stores.” Its initial contract lasts for one year, but Riksbank said it is open to as many as seven years of tests. 

Riksbank hasn't committed to issuing an e-krona at this time.

Regardless of the limitations, the partnership, which the central bank intends to sign later this year, is set to move the Scandinavian nation’s long-awaited e-krona one step closer to reality. 

Such a development could tap into Sweden’s growing aversion to physical cash. Swedes have flocked so readily to cashless payment alternatives that the Bank of Canada’s Deputy Governor Timothy Lane said physical kronas are falling out of use. 

“You’re actually reaching a tipping point [in Sweden],” Lane said at the Philadelphia Federal Reserve’s November Fintech conference. “Merchants are increasingly refusing to accept banknotes and banks are increasingly not offering services to process banknotes.”

Cash-free financial headwinds prompted Riksbank to begin studying an e-krona long before the more recent central bank digital currency (CBDC) rush. In 2016 the bank’s Deputy Governor Cecilia Skingsley said Riksbank was “facing pressure” to move away from coins and bills the public largely balked at.

It then began to study an e-krona in depth. Two reports, the first in September 2017 and a followup one year later, outlined everything from a digital currency’s legal ramifications to its impact on bank lending rates.

Notably, those reports revealed Riksbank’s reticence to base any such digital currency on a blockchain or distributed ledger technology (DLT), which Riksbank labeled an “inefficient technology.” But its 2018 report nonetheless stated that “an e-krona should be able to interact with DLT solutions.”

It is not clear what technology Accenture’s proposed e-krona will utilize. Riksbank classified the procurement process in its June 2019 proposal solicitation, calling the information “important to national security” in a press release at the time.

原作者: Danny Nelson 来自: coindesk