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Central Bank Digital Currency: um olhar sobre o design e formas de implementação
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Resumo(s)
O estado atual do mundo criou a tempestade perfeita para a abordagem deste tema. Partindo da rápida digitalização que atravessamos, acelerada pela explosão da crise pandémica recente e, paralelamente, o aumento da popularidade das criptomoedas privadas, que puseram em causa os Bancos Centrais e a respetiva autoridade monetária, abriu-se espaço à exploração das Central Bank Digital Currency. Nesse sentido, tem-se assistido a um aumento exponencial do interesse por parte dos Bancos Centrais neste tópico. A importância de perceber como esta se pode complementar ou, eventualmente, substituir o dinheiro físico como o conhecemos e entender que tipo de impacto pode ter no quotidiano do cidadão comum é crucial. As possibilidades de design são inúmeras, sendo que cada uma delas traz consigo uma abordagem e trade-offs diferentes. São questões que podem tocar em pontos como a segurança dos nossos dados pessoais até à facilidade de comprar algo digitalmente com moeda estrangeira. Estas serão decisões que serão sempre modeladas pelas caraterísticas e circunstâncias de uma certa jurisdição, apesar de toda a complexidade técnica e operacional associada.
The current state of the world has created the perfect storm to address this issue. Based on the rapid digitization that we are going through, accelerated by the explosion of the recent pandemic crisis and, at the same time, the increase in the popularity of private cryptocurrencies, which called into question the Central Banks and the respective monetary authority, space was opened for the exploitation of the Central Bank Digital Currency. In this sense, there has been an exponential increase in interest on the part of Central Banks on this topic. The importance of understanding how it can complement or eventually replace physical money as we know it and understanding what kind of impact it can have on the everyday lives of ordinary people is crucial. The design possibilities are endless, each with a different approach and trade-offs. These are issues that can touch on points such as the security of our personal data to the ease of buying something digitally with foreign currency. These will be decisions that will always be shaped by the characteristics and circumstances of a given jurisdiction, despite all the associated technical and operational complexity.
The current state of the world has created the perfect storm to address this issue. Based on the rapid digitization that we are going through, accelerated by the explosion of the recent pandemic crisis and, at the same time, the increase in the popularity of private cryptocurrencies, which called into question the Central Banks and the respective monetary authority, space was opened for the exploitation of the Central Bank Digital Currency. In this sense, there has been an exponential increase in interest on the part of Central Banks on this topic. The importance of understanding how it can complement or eventually replace physical money as we know it and understanding what kind of impact it can have on the everyday lives of ordinary people is crucial. The design possibilities are endless, each with a different approach and trade-offs. These are issues that can touch on points such as the security of our personal data to the ease of buying something digitally with foreign currency. These will be decisions that will always be shaped by the characteristics and circumstances of a given jurisdiction, despite all the associated technical and operational complexity.
Descrição
Mestrado Bolonha em Economia Internacional e Estudos Europeus
Palavras-chave
Central Bank Digital Currency Design Sistema de Pagamentos Digitalização Moeda Payment System Digitalization Currency
Contexto Educativo
Citação
Almeida, Lucas Minelli de (2021). “Central Bank Digital Currency: um olhar sobre o design e formas de implementação”. Dissertação de Mestrado. Universidade de Lisboa. Instituto Superior de Economia e Gestão
Editora
Instituto Superior de Economia e Gestão