Digitalne tehnologije kao pokretač razvoja centralobankarskog digitalnog novca

graduate thesis

• Title (english): Digital technologies as a driver of central bank digital currency development
• Author: Sara Subotičanec
• Mentor: Mirjana Pejić Bach (mentor)
• Committee member: Nikola Vlahović (predsjednik povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Informatics); Zagreb
• Defense date and country: 2024-09-24, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Business Informatics

Abstract

Od početka 21. stoljeća, razvojem tehnologije novac je počeo mijenjati svoj oblik te su započele
rasprave o budućim oblicima novca. Širenjem privatnih digitalnih valuta, kriptovaluta, poput
Bitcoina i razvojem novih tehnologija kao što su blockchain i distribuirane knjige Središnje
banke diljem svijeta počele su ozbiljno istraživati ​​sustave centralnobankarskog digitalnog novca.
U prvom desetljeću 21.stoljeća banke su potaknute tehnološkim napretkom, promjenjivim
okruženjem plaćanja i potrebom za rješavanjem izazova koje postavljaju privatne digitalne
valute počele sa projektima implementacije digitalnih valuta središnjih banaka. Digitalne valute
središnjih banaka potaknule bi financijsku uključenost, financijski sustav bio bi efikasniji, a
zaštita od gubitka bila bi minimalna, ali se javljaju nova pitanja poput ugroze privatnosti, riziku
propadanja komercijalnih banaka i slično. U ovom radu bit će spomenute prednosti i mane ove
nove vrste gotovine središnje banke kao i detaljan opis procesa planiranja i implementacije
centralnobankarskog digitalnog novca.

Abstract (english)

Since the beginning of the 21st century, with the development of technology, money has begun
to change its form, and discussions about future forms of money have begun. With the
proliferation of private digital currencies, cryptocurrencies, such as Bitcoin and the development
of new technologies such as blockchain and distributed ledgers, Central Banks around the world
have begun to seriously explore central bank digital currency systems. In the first decade of the
21st century, banks, motivated by technological progress, the changing payment environment
and the need to solve the challenges posed by private digital currencies, started projects to
implement central bank digital currencies. Central bank digital currencies would encourage
financial inclusion, the financial system would be more efficient, and protection against loss
would be minimal, but new issues arise, such as the threat to privacy, the risk of failure of
commercial banks, and the like. This paper will talk about the advantages and disadvantages of
this new type of central bank cash, as well as a detailed description of the process of planning
and implementing central bank digital money.

• Keywords: digitalna valuta; središnja banka; CBDC; blockchain; stable coin; kriptovalute; implementacija
• Keywords (english): digital currency; central bank; CBDC; blockchain; stablecoin; cryptocurrency; implementation
• Language: croatian
• URN:NBN: urn:nbn:hr:148:927020
• Study programme: Title: /; Study programme type: professional; Study level: graduate; Academic / professional title: magistar ekonomije/magistra ekonomije (magistar ekonomije/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2024-10-01 11:01:08