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1、BUILDING CENTRAL BANK DIGITAL CURRENCY GROWTH OPPORTUNITIES AHEAD FOR CENTRAL AND COMMERCIAL BANKSIssued April 2023CONTENTForewordCBDC:Building the future of digital moneyLaunching a CBDC:One size does not fit allCBDC developments and implications for commercial bankingIn conclusion:Watch this space

2、Partnering with Capgemini on CBDCExecutive perspectives on CBDCAuthors and contributorsAppendices2Building Central Bank Digital Currency2Building Central Bank Digital CurrencyFOREWORDDespite the crypto winter,central bank digital currency development and experimentation continues to gain momentum.In

3、 this paper,we look at the design and implementation of central bank digital currencies(CBDCs)around the globe and consider real-world implications for retail,commercial,and central banks in terms of strategy,business models,organizational structure,and technology.While some crypto and decentralized

4、 finance organizations offer novel some would say revolutionary approaches to the digital currency space,we view CBDC as but one of many elements fueling evolutionary digital ecosystem transformation.Therefore,we explore CBDC and possible related financial market developments through the lens of exi

5、sting banking organizations and financial infrastructure providers.A number of professionals working today on central bank digital currency projects and potential financial market infrastructure changes have contributed to this report.The true scope of change ahead is hard to predict,and our aim is

6、to present a balanced,business-focused view on possible developments:we offer hypotheses on the trajectory of CBDC developments and implications for commercial banking,rather than one hard and fast pronouncement on what the future of CBDC and financial markets will be.Please read on.We hope you find