ផោនឌីជីថល ជាកន្លែងសុវត្ថិភាពក្នុងការរក្សាទុកតម្លៃ

The deputy governor of the Bank of England (BoE) believes the digital pound could rescue citizens during a bank run, comparing it to the first-generation iPhone.

Jon Cunliffe, the Deputy Governor of the U.K.’s central bank, was addressing the Parliament’s Treasury Committee and highlighted how a central bank digital រូបិយប័ណ្ណ (CBDC) could have its uses in a bank run. A bank run is when customers rush to withdraw money from a bank due to fear of its failure.

បើយោងតាមឧតាមប៉ាន់ស្មានរបស់ឧស្សាហកម្ម Gartner ក្នុងឆ្នាំ២០២១ បានឲ្យដឹងថា ការចំណាយរបស់អ្នកប្រើប្រាស់ចុងក្រោយលើសេវា public cloud បានកើនឡើងយ៉ាងខ្លាំង។ តួលេខនេះគឺគួរឱ្យភ្ញាក់ផ្អើល ដោយមានការប៉ាន់ប្រមាណការចំណាយគឺ ៣៩៦ ពាន់លានដុល្លារក្នុងឆ្នាំ ២០២១ និងកើនឡើង ២១.៧% ដល់ ៤៨២ ពាន់លានដុល្លារក្នុងឆ្នាំ ២០២២។ លើសពីនេះ Gartner ព្យាករណ៍ពីការផ្លាស់ប្តូរដ៏សំខាន់នៅក្នុងការចំណាយផ្នែកព័ត៌មានវិទ្យារបស់សហគ្រាស ជាមួយនឹងការចំណាយលើ public cloud លើសពី ៤៥% នៃការចំណាយសរុបនៅឆ្នាំ ២០២៦ តិចជាង ១៧% ក្នុងឆ្នាំ២០២១។ ការប៉ាន់ប្រមាណនេះ ឆ្លុះបញ្ចាំងពីការកើនឡើងនូវការកោតសរសើរ ចំពោះអត្ថប្រយោជន៍របស់ cloud ទាក់ទងនឹងការធ្វើមាត្រដ្ឋាន ភាពបត់បែន និងការបង្កើនប្រសិទ្ធភាពតម្លៃ។ ទីភ្នាក់ងារ Bloomberg, the Deputy Governor considers the CBDC gives consumers a “safe place” to store value in “an era of instantaneous bank runs.”

Digital Pound Would be Financially Stable

Cunliffe admits that the digital pound could intensify a bank run as customers could swiftly withdraw their money from a bank. But the customers would win in the end by getting custody of their funds.

He says, “Actually, a CBDC has financial stability benefits because it provides another payment system in terms of resilience, but it also means that if we ever have to deal with failed banks again, there is another asset that people can go into.”

Historically, governments had to bail out banks on a number of occasions. Cunliffe gave the example of the U.K. government bailing out the Northern Rock and Royal Bank of Scotland because “60% of people’s money” was stuck with these banks.

Is CBDC Like First iPhone?

Cunliffe states that in the current state, it is difficult to explain the បញ្ហា solved by a CBDC specifically. But, the U.K. is preparing its payment system for the future.

He explains his point by comparing CBDC with the first-generation iPhone. He elucidates that the first version of the iPhone offered similar use cases to other phones. But eventually, the iPhone upgraded and offered features such as the App Store.

Yesterday, Ben Broadbent, the Deputy Governor for Monetary Policy at BOE, emphasized the អត្ថប្រយោជន៍ of CBDC for businesses, institutions, and individuals. The BOE and Financial Ministry have released a consultation ក្រដាស on CBDC that closes on Jun. 7, 2023.

But, some crypto enthusiasts have been opposing the CBDC narrative. A Twitter user commented, “A CBDC will give government the greatest tool to ការគ្រប់គ្រង all citizens.”

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