Peru yafikiria CBDC kuboresha mfumo wa malipo Mshauri wa zamani wa IMF
(Peru considering CBDC to improve payment system Former IMF adviser)

Published: 2023-04-06


1. Peru Kuzingatia CBDC Kuboresha Mfumo wa Malipo: Peru kwa sasa inafikiria maendeleo ya Benki Kuu ya Fedha ya Digital (CBDC) ili kuboresha mfumo wake wa malipo uliopo. Hatua hii kwa kiasi kikubwa imechangiwa na janga hili ambalo limeisukuma nchi kuelekea malipo ya kidijitali. Kulingana na mshauri wa zamani wa IMF kwa serikali ya Peru, sarafu ya dijiti inaweza kuongeza mfumo wa fedha kwa kupunguza gharama za manunuzi na kuongeza upatikanaji wa huduma za kifedha.

2. Matumizi ya CBDCs katika Amerika ya Kusini: CBDCs ni hatua kwa hatua kuwa mada ya mazungumzo katika Amerika ya Kusini, kama nchi nyingi katika kanda kuangalia kuelekea sarafu digital kama ufumbuzi wa matatizo ya sasa ya kifedha. Kwa mfano,Venezuela tayari imezindua sarafu yake ya dijiti, Petro, na nchi zingine kadhaa ikiwa ni pamoja na Brazil, Bahamas na Jamaica tayari ziko katika mchakato wa kupima au kuendeleza CBDCs zao wenyewe..

3. Faida na Hatari zinazohusiana na CBDC: Wakati CBDCs hutoa faida kadhaa kama vile kuongezeka kwa ufanisi na ujumuishaji wa kifedha, pia kuna hatari zinazohusiana na kupitishwa kwao. Kwa mfano, ikiwa haijatekelezwa vizuri, CBDCs inaweza kusababisha kuongezeka kwa fedha chafu, mashambulizi ya cyber, na hata kuingiliwa kwa mfumo wa benki, ambayo inaweza kuwa na athari kubwa kwa uchumi. Kwa hivyo, ni muhimu kwa nchi kutathmini kwa uangalifu athari za CBDCs kabla ya kusonga mbele na maendeleo yao na utekelezaji.. .

1. Peru Considering CBDC to Improve Payment System: Peru is currently considering the development of a Central Bank Digital Currency (CBDC) in order to enhance its existing payment system. This move is largely driven by the pandemic that has pushed the country towards digital payments. According to a former IMF adviser to Peru’s government,the digital currency could potentially enhance the monetary system by reducing transaction costs and increasing accessibility to financial services.

2. The Use of CBDCs in Latin America: CBDCs are gradually becoming a topic of conversation in Latin America,as many countries in the region look towards digital currencies as a solution to current financial problems. For instance,Venezuela has already launched its own digital currency,the Petro,and several other countries including Brazil,the Bahamas and Jamaica are already in the process of testing or developing their own CBDCs.

3. The Advantages and Risks Associated with CBDCs: While CBDCs offer several advantages such as increased efficiency and financial inclusion,there are also risks associated with their adoption. For instance,if not implemented properly,CBDCs could lead to increased money laundering,cyber attacks,and even disintermediation of the banking system,which can have a far-reaching impact on the economy. Therefore,it is important for countries to carefully evaluate the implications of CBDCs before moving forward with their development and implementation.


Reference: cointelegraph.com