Obstacle to the use of digital currencies
The "Minsait Payments" report by ERP consultancy Minsait examines the motivations for a new form of money, digital cash, and the foreseeable impact of its introduction, as well as when it might be introduced and for what purpose. The document gathers the opinions of more than 4800 internet banking customers from Spain, Italy, Portugal, the United Kingdom and Latin America (Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru and the Dominican Republic).
Although the introduction of digital currencies issued by central banks is progressing, they are penetrating the markets - causing concern among citizens and industry players, as it is difficult to predict their impact on the global payment system. These concerns are linked, among other things, to the feeling that citizens are losing control of their money.
In addition to concerns about privacy and public scrutiny, the lack of understanding and financial and digital literacy of users is also an obstacle to the future standardization of CBDC. Despite these obstacles, central banks agree on the relevance, feasibility, viability and impact of CBDC, with motivations varying from country to country and region to region.
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