立即打開
數字貨幣可以幫助窮人?聽PayPal的CEO怎么說

數字貨幣可以幫助窮人?聽PayPal的CEO怎么說

Dan Schulman 2021年04月01日
丹·舒爾曼認為,隨著數字貨幣的使用范圍日益廣泛,它會帶來許多好處,尤其是企業和消費者將從中受益,他們有機會用成本更低、更安全和更高效的方式進行交易。

圖片來源:JOHN LEHMANN—FORTUNE

如今,全球金融系統需要一次大升級。無論你在哪里,金融系統的費用都很高且極不方便,有時候企業需要幾天時間才能夠完成交易結算,而且低收入人群獲取或使用錢款的手續費過高。

在新冠疫情期間,封鎖措施促使全球消費者和企業只可以接受數字優先的商務環境,數字支付技術在三至五個月內實現了三至五年的飛躍。

現在,金融服務業迎來了一個前所未有的重塑行業架構的機會,讓更多人能夠享受到便捷的支付,實現資金往來的即時高效,降低成本,最重要的是保證安全。雖然從現金向數字貨幣轉型仍然處在早期階段,但對金融系統的基本技術架構進行現代化升級的時機已經成熟。

將數字貨幣變成主流可以擴大其使用范圍,尤其是針對弱勢群體和低收入人群。美國推出的新冠刺激政策凸顯出了這種便利的支付手段的重要性,因為有數以百萬計沒有銀行賬號的美國人領取政府補助時出現了延誤甚至無法領取的情況,其中許多人是有色人種或者沒有太多謀生手段的人群。更可悲的是,能夠獲得急需資金的人群還需要支付極高的支票兌換和處理費。而數字錢包和數字貨幣可以幫助填補這個空白,保證人們能夠在急需時即時獲得資金。

加密貨幣一直被作為一種投資資產,但它們作為支付機制的采用率較低。宣傳、普及和推廣數字貨幣,包括法定貨幣數字化,能夠大幅提高數字支付的使用率。數字貨幣可以帶來許多好處,尤其是企業和消費者將從中受益,他們有機會用更低成本、更安全和更高效的方式進行交易,同時滿足消費者對于更多支付選擇的廣泛需求。

新的數字時代需要建設性的公私合作模式。它所需要的參與度和貢獻力度,單靠政府或私營部門都力有未逮。信用卡網絡、銀行、科技公司和其他金融服務企業在積極推廣數字貨幣的同時,應該與政府合作推進行業創新,并遵守國家和全球監管框架。這些合作對于利用區塊鏈技術的不可變性打擊違法金融活動,創建安全的生態系統至關重要。

新冠疫情給全世界的領導者們提出了挑戰,他們必須進一步推動創新,才能夠迎合數以百萬計民眾不再使用現金的潮流。隨著各國央行和政策制定者紛紛開始探索央行數字貨幣(Central Bank Digital Currencies)在國內應用的途徑,行業領導者應該發揮作用,為新數字經濟模式的建立提供幫助。

隨著我們的金融服務進入新階段,企業有義務滿足當前的緊迫需求,維護民眾的信任。在滿足當前的迫切需求開展負責任創新和進一步普及數字資產的同時,還需要宣傳數字貨幣的能力、開展新產品測試試點,并就消費者安全才是重中之重這一點達成共識。

疫情讓我們了解到世界上還有許多人和社區的財務狀況非常糟糕。我們必須迅速采取行動,確保未來新時代的全球金融體系可以重視包容性,為有迫切需求的人們提供保障。而數字貨幣則是實現這個愿景的關鍵。(財富中文網)

本文作者丹·舒爾曼是PayPal公司總裁兼首席執行官。

譯者:劉進龍

審校:汪皓

如今,全球金融系統需要一次大升級。無論你在哪里,金融系統的費用都很高且極不方便,有時候企業需要幾天時間才能夠完成交易結算,而且低收入人群獲取或使用錢款的手續費過高。

在新冠疫情期間,封鎖措施促使全球消費者和企業只可以接受數字優先的商務環境,數字支付技術在三至五個月內實現了三至五年的飛躍。

現在,金融服務業迎來了一個前所未有的重塑行業架構的機會,讓更多人能夠享受到便捷的支付,實現資金往來的即時高效,降低成本,最重要的是保證安全。雖然從現金向數字貨幣轉型仍然處在早期階段,但對金融系統的基本技術架構進行現代化升級的時機已經成熟。

將數字貨幣變成主流可以擴大其使用范圍,尤其是針對弱勢群體和低收入人群。美國推出的新冠刺激政策凸顯出了這種便利的支付手段的重要性,因為有數以百萬計沒有銀行賬號的美國人領取政府補助時出現了延誤甚至無法領取的情況,其中許多人是有色人種或者沒有太多謀生手段的人群。更可悲的是,能夠獲得急需資金的人群還需要支付極高的支票兌換和處理費。而數字錢包和數字貨幣可以幫助填補這個空白,保證人們能夠在急需時即時獲得資金。

加密貨幣一直被作為一種投資資產,但它們作為支付機制的采用率較低。宣傳、普及和推廣數字貨幣,包括法定貨幣數字化,能夠大幅提高數字支付的使用率。數字貨幣可以帶來許多好處,尤其是企業和消費者將從中受益,他們有機會用更低成本、更安全和更高效的方式進行交易,同時滿足消費者對于更多支付選擇的廣泛需求。

新的數字時代需要建設性的公私合作模式。它所需要的參與度和貢獻力度,單靠政府或私營部門都力有未逮。信用卡網絡、銀行、科技公司和其他金融服務企業在積極推廣數字貨幣的同時,應該與政府合作推進行業創新,并遵守國家和全球監管框架。這些合作對于利用區塊鏈技術的不可變性打擊違法金融活動,創建安全的生態系統至關重要。

新冠疫情給全世界的領導者們提出了挑戰,他們必須進一步推動創新,才能夠迎合數以百萬計民眾不再使用現金的潮流。隨著各國央行和政策制定者紛紛開始探索央行數字貨幣(Central Bank Digital Currencies)在國內應用的途徑,行業領導者應該發揮作用,為新數字經濟模式的建立提供幫助。

隨著我們的金融服務進入新階段,企業有義務滿足當前的緊迫需求,維護民眾的信任。在滿足當前的迫切需求開展負責任創新和進一步普及數字資產的同時,還需要宣傳數字貨幣的能力、開展新產品測試試點,并就消費者安全才是重中之重這一點達成共識。

疫情讓我們了解到世界上還有許多人和社區的財務狀況非常糟糕。我們必須迅速采取行動,確保未來新時代的全球金融體系可以重視包容性,為有迫切需求的人們提供保障。而數字貨幣則是實現這個愿景的關鍵。(財富中文網)

本文作者丹·舒爾曼是PayPal公司總裁兼首席執行官。

譯者:劉進龍

審校:汪皓

Our global financial system needs an upgrade. No matter where you are around the globe, the system is expensive and inconvenient, sometimes taking days to settle transactions for businesses, and charging exorbitant fees for lower-income populations to access or use their money.

During the pandemic, the growth of the use of digital-payment technologies leapfrogged by three to five years in the span of three to five months, as lockdowns led people and businesses globally to embrace a digital-first environment for commerce.

Now, more than ever before, the financial services industry has an opportunity to reshape its architecture to make payments accessible to more people and to enable transactions that are instantaneous, efficient, low cost and most of all, secure. While we remain in the early days of the transition from cash to more digital forms of money, the time is ripe to modernize and upgrade the underlying technological infrastructure of the financial system.

Mainstream adoption of digital currencies would expand accessibility, particularly for those who are underrepresented and have lower incomes. The need for this access was evident in the rollout of pandemic stimulus payments in the U.S., which were late in reaching and in some cases failed to reach millions of unbanked Americans––many of whom were people of color and those with lesser means. Those individuals that could access these much-needed funds were sadly disproportionately burdened with check-cashing and processing fees and charges. Digital wallets and currencies can help fill this critical gap, and ensure that people can get direct access to the money they need instantaneously.

Cryptocurrencies have historically been used as investment assets, and their adoption as payment mechanisms has been slow. Making digital currencies, including the digitization of fiat currencies, more useful, understood, and ubiquitous will go a long way to driving greater digital payment use and utility. The benefits are legion, particularly for businesses and consumers––presenting an opportunity to engage in cheaper, safer, and more efficient transactions while meeting widespread consumer demand for the expansion of payment options.

This new digital era demands constructive public-private partnership. It will require greater engagement and contributions than either government or the private sector can undertake alone. As card networks, banks, technology companies and others in the financial services industry lean into the positive promise of digital currencies, industry innovation should be pursued hand-in-hand in partnership with governments and in compliance with national and global regulatory frameworks. These partnerships will be critical to ensuring that we create a safe ecosystem leveraging the immutability of blockchain technology to help combat illicit finance.

The pandemic is challenging world leaders to push digital innovation further as millions of people move away from handling cash. As central banks and policymakers around the world explore ways to leverage Central Bank Digital Currencies (CBDCs) for their citizens, industry leaders should play a role in helping shape the new digital economy.

As we enter in this next stage of financial services, the urgency of the moment must be met by the obligation of companies to be responsible stewards of citizens’ trust. The pressing need to innovate responsibly and expand access to digital assets must be accompanied by education efforts about their capabilities, pilot projects that test new offerings, and a shared understanding that the safety and security of the consumer is the top priority.

The pandemic has shone a spotlight on the already dire financial circumstances of far too many people and communities around the globe. We must act swiftly and with intention to ensure that the next chapter of our collective financial future is centered on the inclusion and security of the people who need it the most. Digital currencies will be key to making this vision a reality.

Dan Schulman is the president and CEO of PayPal.

最新:
  • 熱讀文章
  • 熱門視頻
活動
掃碼打開財富Plus App
a在线视频播放观看免费观看_亚洲av有码在线观看_一色屋精品视频在线观看