欧洲央行-数字欧元盘点和下一步行动（英）.docx

DIGITALEURO

Stocktakeandnext

steps

MeetingofCentralBankGovernors

oftheCenterforLatinAmerican

MonetaryStudies(CEMLA)

10

10May2024

MemberoftheExecutiveBoardoftheECB

AEuropeandigital

paymentsolution

foranyoccasion

Rationaleandkeydesignchoices

PaymentlandscapeinEurope

Declininguseofcash:theproportionofcashpaymentsfellfrom72%to59%(2019-2022);numberofbanknotesincirculationdecreasedforthefirsttimein2023.

Fragmentation:thereisnosingleEuropeanpaymentsolutionfordigitalpaymentsatthepointofsale

anywhereintheeuroarea.

Dependenceoninternationalproviders:13outof20euroareacountriesdon’thaveanationalcardschemeandrelyinsteadoninternationalschemesfordigital

payments.Theseschemesaccountfor64%ofall

electronically-initiatedtransactionswithcardsissuedintheeuroarea.

3www.ecb.europa.eu?

3

Respondingtoevolvingpaymenttrends

Reflectingpeople’sincreasingpreferencefordigitalpaymentswhilestillofferingtheoptiontopaywithcash

Making

Makingpeople’sliveseasier

Providingapublicdigitalmeansofpaymentthatpeoplecouldusefreeofchargeforanydigitalpaymentintheeuroarea

Strengthening

StrengtheningEurope’sresilience

PreservingEurope’sstrategicautonomywhilereducingourdependenceonnon-Europeanpaymentproviders

4www.ecb.europa.eu?

Adigitalformofcash

Adigitaleurowouldbringcash-likefeaturestothedigitalworld

Pan-Europeanreach

Free

forbasicuse

Respectfulofprivacy

Alsoavailableoffline

Issuedbythe

centralbank

5www.ecb.europa.eu?

Availableforalloccasions

Cash

DomesticEuroarea

Person-to-person

payments

Point-of-sale

payments

E-commerce

payments

*Onlyproximitytransactions,unlessmailingcash

**Where