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CBDC消费者调查发现,美国公民的热情不那么高

2021-8-2 17:22


爱沙尼亚区块链公司Guardtime最近发布了一项关于消费者对央行数字货币(CBDC)态度的调查。调查发现,在10个国家中,64%的消费者可能会在发布时使用数字货币。与其他国家相比,美国更加谨慎,近20%的受访者表示他们永远不会使用CBDC。


尽管国际清算银行(BIS)的一项调查发现,86%的央行正在积极研究数字货币的潜力,但到目前为止,在全球范围内,对消费者是否准备好并对CBDC充满热情进行了有限的研究。除了智库OMFIF在2020年早期的报告中涉及IPSOS/Mori对超过1.3万人的调查外,Guardtime的调查是该领域的首批全球消费者研究之一。2021年7月,PureProfile对900多人进行了调查。


该调查发现,“在全球范围内,人们普遍愿意使用数字货币”。在四个用例中,大约70%的人说他们将在一年内采用CBDC,他们对使用CBDC支付略有热情,而不是放弃现金储蓄或接受CBDC中的薪水。

guardtime cbdc适用


调查要求消费者对最重要的CBDC属性进行排名,前三名分别是隐私、易用性和无额外费用。这与欧洲央行(European Central Bank)最近的一项调查相当一致,该调查发现,最受欢迎的特征是隐私、安全性和无额外成本。在安全性方面,Guardtime询问CBDC是否需要比其他数字支付更安全,后者的重要性仅排在第7位。


发达经济体对CBDC的热情似乎也不如发展中国家。OMFIF的调查也证实了这一点,调查发现人们对数字货币(包括CBDC和私人数字货币)的普遍热情更高。

Omfif数字货币批准


Guardtime是爱沙尼亚的一家技术公司,多年来一直与爱沙尼亚政府合作,包括最近的数字欧元CBDC测试。它在国际上也有政府合同。该公司以其KSI企业区块链而闻名,该企业已部署在高调的应用中,包括与安永(EY)成立的国际海上保险合资企业Insurwave, Maersk是该公司的第一个客户。

The Estonian blockchain company Guardtime has recently published a survey on consumer attitudes towards a central bank digital currency (CBDC). Across ten countries it found that 64% of consumers would be likely to use a digital currency at launch. Compared to other countries, the U.S. was more reticent, with almost 20% of respondents saying they would never use a CBDC.

Until now, limited research has been conducted globally into whether consumers are ready and enthusiastic for a CBDC, despite a BIS survey finding that 86% of central banks are actively researching the potential for a digital currency. Apart from think tank OMFIF’s early 2020 report that involved IPSOS/Mori questioning more than 13,000 people, Guardtime’s survey is one of the first global consumer studies in this area. PureProfile questioned over 900 people in July 2021.

The survey found a “broad, global willingness to use a digital currency”. Across four use cases, around 70% of people said they would adopt a CBDC within a year, with slightly more enthusiasm for using a CBDC for payment as opposed to switching away from cash savings or accepting a salary in CBDC. 

guardtime cbdc adoption

The survey asked consumers to rank the most important CBDC attributes, the top three being privacy, ease of use and no additional costs. This is fairly consistent with a recent European Central Bank survey that found the top desirable characteristics to be privacy, security and no additional costs. When it came to security, Guardtime asked whether a CBDC needed to be more secure than other digital payments, which only ranked 7th in importance.

It also seems that advanced economies are less enthusiastic about a CBDC than developing countries. This was also borne out by the OMFIF survey, which found greater enthusiasm for digital money in general, including CBDC and private digital currencies.

omfif digital money approval

Guardtime is an Estonian technology company that has worked with the Estonian government for many years, including most recently on its CBDC tests for a digital Euro. It also has government contracts internationally. The company is known for its KSI enterprise blockchain, which has been deployed in high profile applications, including Insurwave, a joint venture with EY for international maritime insurance, with Maersk as the first client.


来自: Ledger Insights