Razvoj digitalne valute središnje banke

undergraduate thesis

• Author: Lucija Radovanić
• Mentor: Jakša Krišto (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-09-22, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Digitalna valuta je relativno noviji pojam koji je snažno došao do izražaja poradi pandemije Covid-19 a ista je potakla kod građana snažno smanjenje korištenja gotovine. Činjenica je da većina ljudi ne vidi razliku između gotovine i digitalnih plaćanja, osim očite činjenice da plaćanje gotovinom uključuje razmjenu fizičkog novca, a digitalne transakcije ne. Pojava digitalne kripto imovine te razvoj decentraliziranih infrastruktura, kao što su blockchain i tehnologija distribuirane knjige (DLT) naveli su središnje banke diljem svijeta da intenzivno razmišljaju o digitalizaciji monetarnog sustav i uvođenju digitalne valute središnje banke. Digitalna valuta središnje banke je digitalni oblik fiat-novca koji izdaju središnje banke. Dizajniran je kao digitalan prikaz fizičke valute zemlje te za cilj ima pružiti tvrtkama i potrošačima privatnost, prenosivost, praktičnost, pristupačnost i financijsku sigurnost. U radu je prikazan razvoj virtualnih valuta čije se stvaranje povezuje s pojavom interneta. Iako u početku ignorirane, posljednjih godina raste potraživanje za trgovanje virtualnim valuta upravo radi njihove decentralizirane infrastrukture. Detaljnije je obrazložen razvoj digitalne valute središnje banke, njezinih mogućih dizajnerskih rješenja i motiva te je analiziran presjek svih dosadašnjih inicijativa središnjih banaka u razvoju digitalne valute. Provedena je detaljna analiza na razvoju digitalnog eura, utvrđene su njegove moguće karakteristike. Analizom javnog savjetovanja građana o mogućem uvođenju digitalnog eura doneseni su zaključci o mogućim mišljenjima o uvođenju digitalnog eura, kao i o poželjnim karakteristikama.

Abstract (english)

Digital currency is a relatively new term that has come to the fore due to the Covid-19 pandemic, which has led to a strong reduction in the use of cash among citizens. The fact is that most people do not see the difference between cash and digital payments, apart from the obvious fact that cash payments involve the exchange of physical money and digital transactions do not. The emergence of digital crypto assets and the development of decentralized infrastructures, such as blockchain and distributed ledger technology (DLT), have led central banks around the world to intensively think about digitizing the monetary system and introducing central bank digital currency. Central bank digital currency is a digital form of fiat money issued by central banks. It is designed as a digital representation of a country's physical currency and aims to provide businesses and consumers with privacy, portability, convenience, affordability and financial security. The paper presents the development of virtual currencies, the creation of which is connected with the emergence of the Internet. Although initially ignored, demand for virtual currency trading has been growing in recent years precisely because of their decentralized infrastructure. The development of the digital currency of the central bank is explained in more details, its possible design solutions and motives, and a cross-section of all the initiatives of the central banks so far in the development of the digital currency is analyzed. A detailed analysis was carried out on the development of the digital euro, its possible characteristics were determined. Through the analysis of the public consultation of citizens on the possible introduction of the digital euro, conclusions were drawn on the possible opinions on the introduction of the digital euro, as well as on the desirable characteristics.

• Keywords: virtualna valuta; digitalna valuta središnje banke; digitalni euro; središnja banka
• Keywords (english): virtual currency; central bank digital currency; digital euro; central bank
• Language: croatian
• URN:NBN: urn:nbn:hr:148:091576
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a prvostupnik/ prvostupnica ekonomije (stručni/a prvostupnik/ prvostupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Embargoed access; Embargo expiration date: 2024-09-27
• Created on: 2023-09-22 14:11:13