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dc.contributor.authorPonce Moreno, Jorge Luis
dc.date.accessioned2020-11-27T07:10:48Z
dc.date.available2020-11-27T07:10:48Z
dc.date.issued2020-11
dc.identifier.issn1579-3621 (edición electrónica)
dc.identifier.urihttps://repositorio.bde.es/handle/123456789/14226
dc.descriptionArtículo de revista
dc.description.abstractFacing the challenges and leveraging the opportunities from digitalization may require changes to the traditional business model of central banks. This paper focuses on retail payments, where changes are being rapid and highly demanded by customers worldwide. Considering competition and financial stability arguments, it provides a rationale for central banks to have a deeper involvement in retail payment systems by building and keeping control of core components of these systems. Central Bank Digital Currency and Fast Payment Systems are assessed as alternative tools serving central banks to foster efficiency, resilience and security in retail payments, as well as to preserve financial stability.
dc.format.extent29 p.
dc.language.isoeng
dc.publisherBanco de España
dc.relation.ispartofRevista de estabilidad financiera. Nº 39 (otoño 2020), p. 131-159
dc.relation.hasversionOtra versión 123456789/14234
dc.rightsReconocimiento-NoComercial-CompartirIgual 4.0 Internacional (CC BY-NC-SA 4.0)
dc.rightsIn Copyright - Non Commercial Use Permitted
dc.rights.urihttps://creativecommons.org/licenses/by-nc-sa/4.0/deed.es_ES
dc.rights.urihttp://rightsstatements.org/vocab/InC-NC/1.0/
dc.subjectFintech
dc.subjectBlockchain
dc.subjectBitcoin
dc.subjectSistemas de pago
dc.titleDigitalization, retail payments and Central Bank Digital Currency
dc.typeArtículo
dc.identifier.bdebib000470595
dc.identifier.bdepubREFI-2020-39-5
dc.subject.bdeSistemas de pago y compensación bancaria
dc.subject.bdeBancos centrales : legislación, organización y funciones
dc.subject.bdeRegulación y supervisión de instituciones financieras
dc.publisher.bdeMadrid : Banco de España, 2020
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