MasterCard ya ƙaddamar da dandalin gwajin kuɗin kama-da-wane na bankunan tsakiya

A cikin 'yan shekarun nan, Mastercard Inc. yana aiki akan gwajin dandalin toshewa raba littafin don bawa bankunan tsakiya damar yin canjin kuɗi. Yanzu, an saita katafaren sabis na hada-hadar hadahadar dandalin gwajin kudin dijital na banki saboda wannan dalilin.

Yayin ci gaban ra'ayi, Mastercard shima an ba shi aikin gayyata da gudanar da bincike daga bankunan tsakiya da bankunan kasuwanci da kamfanoni don kimanta dacewar amfani da wannan nau'in agogo na dijital, wanda ke bin ƙa'idodin Jiha.

A cewar Bankin na Setasashen Duniya, 80% na bankunan tsakiya da aka bincika sun tsunduma cikin wani nau'in aikin kuɗin dijital na babban bankin, kuma kusan 40% na bankunan tsakiya sun ci gaba daga bincike na hankali zuwa gwaji tare da tsari da zane.

Tare da wannan Mastercard ya nemi abokan aiki suyi amfani da dandamali don kimanta tasiri na zane-zanen kayan fasaha na CBDC ta hanyar yanayin gwajin gwaji inda ake kwaikwayon bayarwa, rarrabawa da musayar agogo, tsakanin bankuna, masu ba da sabis na kuɗi da kuma musamman masu amfani don tabbatar da shari'ar amfani da kimantawa. Hadin gwiwa tare da hujjar biyan kudi na yanzu ga kwastomomi da kasuwanci.

"Babban bankunan sun hanzarta bincikensu na kudaden dijital tare da manufofi iri-iri, daga bunkasa hada-hadar kudi zuwa zamanintar da tsarin biyan bukatun halittu," in ji Raj Dhamodharan, mataimakin shugaban zartarwa na kadarorin dijital da samfuran toshewa da kawance a Mastercard. "Wannan sabon dandalin yana tallafawa bankunan tsakiya yayin da suke yanke shawara a yanzu da kuma nan gaba kan hanyar ci gaban tattalin arzikin yankin da na yanki."

A cikin ra'ayi, an tsara CDBC don ya zama daidai da darajar kuɗin takarda na ƙasa kuma ƙarƙashin daidaitattun abubuwan tallafi na gwamnati.

Baya ga buga kuɗi, bankunan tsakiya na iya fitar da CDBC a matsayin wakilcin dijital na kuɗin ƙasar. Saboda na dijital ne, maimakon abu na zahiri, baya buƙatar a shigo da shi ta manyan motoci, don haka ana iya motsa shi akan intanet.

"Haɗin kai tsakanin jama'a da kamfanoni masu zaman kansu a cikin binciken kuɗaɗen banki na babban bankin na iya taimaka wa bankunan tsakiya su fahimci iyawar fasaha da damar da ake da ita game da CBDCs," in ji Sheila Warren, Daraktan toshewa, kadarorin dijital da kuma manufofin bayanai a taron Tattalin Arzikin Duniya.

A cikin wannan dandalin gwajin gwaji, mahalarta zasu sami damar samun damar keɓaɓɓun muhallin Don yin kwatancen fitar da CDBC, rarrabawa da musayar halittu, tare da bankuna da masu amfani kan yadda za ayi amfani da CDBC don biyan kayayyaki da aiyuka ta hanyar Mastercard ta hanyar amfani da toshewa, bincika samfuran fasahar CDBC da amfani da lamura da kuma yanke hukuncin kimanta yiwuwar kuma kimanta kokarin ci gaban CDBC a cikin yanayin gwaji.

Warren ya ce "Babban bankunan na iya cin gajiyar tallafi don binciko zabin da suke da shi game da CBDCs, da kuma samun damar sanin damar da za su iya tasowa."

An ambata cewa dandamali na kama-da-wane ana iya daidaita shi daban-daban don yanayin da babban bankin yake aiki, yana basu damar:

• Yi kwafin bayarwa na CBDC, rarrabawa da musayar halittu tare da bankuna da masu amfani, gami da yadda CBDC zata iya hulɗa da hanyoyin sadarwar biyan kudi da abubuwan more rayuwa, misali, katuna da kuma biyan kuɗi na lokaci-lokaci.
• Nuna yadda mabukaci zai iya amfani da CBDC don biyan kuɗi don kayayyaki da sabis a ko'ina cikin duniya inda aka karɓi Mastercard.
• Yi nazarin zane-zanen kayan fasaha na CBDC da amfani da lamura don saurin ƙimar ƙima da fa'ida a cikin kasuwa.
• Kimanta kokarin ci gaban CBDC, gami da ginin fasaha, aminci, da farkon gwajin ƙira da aiki.

Source: https://mastercardcontentexchange.com