【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-2024_8页_3mb

The article focuses on the rapid development of central bank digital currencies (CBDCs), with 70% of central banks planning launches within the next decade. The Digital Euro serves as a key case study, emphasizing the need for banks to strategically prepare their IT infrastructure. CBDC adoption may be mandatory, driven by consumer and business interest in secure, efficient digital transactions.

Key findings:

• CBDC momentum is strong, with widespread global progress (over 100 countries developing CBDCs, 19 in G20 at advanced stages).
• Mandatory adoption risks delays if banks wait for regulations to finalize.
• Three critical steps for banks:
  1. Understand the regulatory environment to avoid compliance issues.
  2. Develop a comprehensive CBDC strategy, considering compliance versus competitive advantage through value-added services.
  3. Address IT gaps, including architectural modifications, account number changes, processing speed enhancements, payment engine modernization, offline operations, and interoperability.
• Banks face challenges like stretched technology calendars and existing transformations (e.g., PSD3, ISO 20022).
• Leverage partnerships for strategy development, impact analysis, proof of concept, and implementation to manage complexities.
• Early preparation is crucial to mitigate risks, derive value, and stay competitive.

In conclusion, CBDCs are inevitable and offer opportunities for banks if prepared now, but unaddressed technical challenges and regulatory uncertainty could hinder success.