2024-09-29-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）_7页_3mb

CBDC Preparedness for Banks

Key Insights

• Digital Central Bank Digital Currencies (CBDCs) are gaining momentum, with 70% of central banks planning issuance in the foreseeable future, exemplified by the Digital Euro.
• CBDC adoption is expected to be mandatory for banks, requiring early strategic preparation to address business and technology implications.
• Three critical steps for success:
  • Understand the regulatory environment, as regulations are evolving but foundations are set.
  • Develop a comprehensive CBDC strategy to align with mandates and leverage for competitive advantage.
  • Address top IT gaps, including architectural changes, account number adjustments, processing speed enhancements, payment engine modernization, and fraud detection improvements.
• Additional factors include offline operation enablement and leveraging trusted partnerships for strategy development, impact analysis, integration, testing, and staff training.
• Leverage the inevitability of CBDCs to create value-added services and ensure compliance while staying competitive.

Conclusion

Banks must start preparing now for CBDCs to harness their potential, mitigate risks, and maintain a competitive edge in the digital currency landscape.