مجلة الامتياز لبحــوث الاقتصاد والادارة
Volume 8, Numéro 1, Pages 175-190
2024-06-01
Central Bank Digital Currencies Adoption: Threat Or Opportunity?
Authors : Khatoui Mounir .
Abstract
The emergence of Central Bank Digital Currencies (CBDCs) represents a major shift in the global financial landscape. This study examines the dual nature of CBDCs within the global financial system as a potential threat and opportunity. This study aims to study the benefits and risks of adopting digital currencies for central banks and their possible effects on global financial systems. The results revealed that CBDCs can enhance payment systems, financial inclusion, and monetary policy effectiveness. However, they also pose financial stability, privacy, and cybersecurity risks. This study concluded that CBDCs represent an important innovation in digital finance and offer significant advantages. Still, their successful integration requires careful consideration of various challenges and balancing benefits and risks to lay strong foundations to counter these risks and take advantage of CBDCs' potential to promote a more inclusive and efficient financial system.
Keywords
CBDCs ; benefits ; risks ; financial system ; digital finance
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