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Adina Popescu
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Anil Ari
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Celine Rochon
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Itai Agur
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John Kiff
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Maria Soledad Martinez Peria
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Tommaso Mancini Griffoli
pubblicato da
INTERNATIONAL MONETARY FUND
Digitalization is reshaping economic activity, shrinking the role of cash, and spurring new digital forms of money. Central banks have been pondering wheter and how to adapt. One possibility is central bank digital currency (CBDC)-- a widely accessible digital form of fiat money that could be legal tender. This discussion note proposes a conceptual framework to assess the case for CBDC adoption from the perspective of users and central banks. It discusses possible CBDC designs, and explores potential benefits and costs, with a focus on the impact on monetary policy, financial stability, and integrity. This note also surveys research and pilot studies on CBDC by central banks around the world.
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