Capgemini-利用数字货币-银行如何为其IT资产做好准备，以充分发挥CBDC的力量和潜力（英）

Harnessing digital currencies 1Harnessing digital currenciesHow banks can prepare their IT estates to leverage the power and potential of CBDCs Case in point - Digital EuroHarnessing digital currencies 2In brief• With 70% of central banks aiming to issue a CBDC within the foreseeable future, and the Digital Euro on the near-term horizon, digital currency momentum is building.• As CBDC adoption will likely be mandatory for banks, it’s imperative for banks to get started with strategically addressing the many business and technology implications.• Learning from examples of Digital Euro preparations, we have identified here three critical steps that banks need to complete to succeed.With consumers, businesses, and governments keenly interested in fast, easy, cost-effective, and secure digital transactions, momentum continues building for central bank digital currencies (CBDCs). As digital currencies backed by central banks are generally safer than other forms of virtual money, like cryptocurrency or stablecoin, many currency unions and countries are expected to make adoption by banks mandatory, including in the Eurozone and, likely, the UK. In response, banking innovators are already establishing their CBDC strategies, readying their technology infrastructures, and even piloting different aspects of digital currency. To help financial institutions harness the power and potential of CBDCs, with Digital Euro as the leading example, this article will look at key steps every bank should address in order to remain competitive in the inevitable digital currency future.Although the attention of many banks, particularly those in the EU and UK, has focused on meeting other digitalization imperatives, CBDC progress is moving forward apace.Worldwide, the number of countries developing a CBDC now tops 100, with 19 of the Group of 20 (G20) countries in the advanced stages. 3 Three countries have fully launched a CBDC, the Bahamas, Jamaica, and Nigeria3, with 70% of central banks planning to issue a CBDC within the next decade4. In all, 36 wholesale and retail CBDC initiatives are underway. This includes the Digital Euro5, for which the European Central Bank (ECB) is currently well along the development timeline. On its heels, the UK is expected to introduce a Digital Pound.Progress continues worldwideHarnessing digital currencies 3Despite the progress, there is still peril involved with CBDCs. The most clearly demonstrated example was the Eastern Caribbean Currency Union, consisting of 8 countries, where the Eastern Caribbean Central Bank (ECCB) halted its digital currency rollout due to technical difficulties, forcing the development of a new pilot.6For banks, the primary takeaway from ECCU experience is the importance of starting early and taking a strategic approach to developing and executing digital currency offerings. To ensure the expected mandates can be met, risks are minimized, and value is derived, here are the three key steps every bank needs to ta