Umusesenguzi wa JPMorgan Chase, Josh Young yavuze ko amabanki ahagarariye ibikorwa remezo by’ubucuruzi n’imari by’ubukungu bwihariye, bityo bikaba bidakwiye guhungabanywa n’iterambere ry’ifaranga rya banki nkuru rizakuraho buhoro buhoro.

Muri raporo yo ku wa kane ushize, Young yerekanye ko mu kumenyekanisha CBDC nk'inguzanyo nshya yo kugurisha no kwishyura, ifite amahirwe menshi yo gukemura ikibazo kiriho cy'ubusumbane mu bukungu.

Icyakora, yavuze kandi ko iterambere rya CBDC rigomba kwitonda kugira ngo ritangiza ibikorwa remezo by’amabanki bihari, kuko ibyo bizaviramo gusenya 20% kugeza 30% by’imari shingiro biturutse ku ishoramari rya banki y’ubucuruzi.
Umugabane wa CBDC ku isoko ryo kugurisha uzaba muto ugereranije n’amabanki.JPMorgan Chase yavuze ko nubwo CBDC izashobora kurushaho kwihutisha kwinjiza imari kurusha amabanki, barashobora kubikora batabangamiye cyane imiterere ya sisitemu y'ifaranga.Impamvu iri inyuma yibi nuko, Abantu benshi bunguka byinshi muri CBDC bafite konti zitarenze $ 10,000.

Young yavuze ko aya mafranga yari afite igice gito gusa cyatewe inkunga yose, bivuze ko banki izakomeza gufata imigabane myinshi.

Ati: "Niba ayo mafaranga yose abitswe afite gusa CBDC idandaza, ntabwo bizagira ingaruka zikomeye ku gutera inkunga banki."

Ubushakashatsi buheruka gukorwa n’ikigo cy’ubwishingizi bw’amafaranga yo kubitsa (FDIC) ku miryango idafite amabanki kandi idakoreshwa, ingo zirenga 6% z’abanyamerika (miliyoni 14.1 z’abanyamerika bakuze) ntibakoresha serivisi z’amabanki.

Ubushakashatsi bwerekanye kandi ko nubwo umubare w'abashomeri wagabanutse, umubare w'abaturage ukomeje guhura n'akarengane gakabije ndetse n'ubusumbane bw'amafaranga buracyari hejuru.Aya ni matsinda yingenzi yungukira kuri CBDC.

Ati: “Urugero, ingo z'abirabura (16.9%) na Hisipanyika (14%) zikubye inshuro eshanu guhagarika amafaranga yabikijwe na banki kurusha ingo z'abazungu (3%).Ku badafite banki babitsa, igipimo gikomeye ni urwego rwinjiza. ”

CBDC.No mubihugu bikiri mu nzira y'amajyambere, kwinjiza amafaranga nicyo kintu nyamukuru cyo kugurisha Crypto na CBDC.Muri Gicurasi uyu mwaka, Guverineri wa Banki nkuru y’igihugu, Lael Brainard, yatangaje ko kwinjiza amafaranga bizagira uruhare rukomeye muri Amerika gusuzuma CBDC.Yongeyeho ko Atlanta na Cleveland bombi barimo gutegura imishinga y’ubushakashatsi hakiri kare ku ifaranga rya sisitemu.

Mu rwego rwo kwemeza ko CBDC itagira ingaruka ku bikorwa remezo bya banki, JP Morgan Chase arasaba gushyiraho ingofero ikomeye ku miryango ikennye:

Ati: “Amafaranga akomeye y'amadorari 2500 arashobora kuzuza ibyifuzo byinshi mu ngo zifite amikoro make, nta ngaruka nini zagize ku mibare y'inguzanyo ya banki nini z'ubucuruzi.”

Nyamwasa yizera ko ibyo bizaba ngombwa kugirango CBDC ikoreshwe cyane cyane mu gucuruza.

“Kugabanya akamaro ko kugurisha CBDC nk'ububiko bw'agaciro, hagomba gushyirwaho ibihano bimwe na bimwe ku mutungo ufite.”

Vuba aha, Weiss Crypto Rating yahamagariye umuryango wa Crypto gutanga raporo ku mishinga itandukanye y’iterambere rya CBDC ku isi, yerekana ko ibyo byatumye abantu bibeshya ko CBDC na Crypto bafite ubwigenge bumwe bw’amafaranga.

Ati: “Itangazamakuru rya Crypto ryatangaje ko iterambere ryose rijyanye na CBDC rifitanye isano na“ Crypto ”, ritera ingaruka mbi ku nganda kuko ritanga abantu ko CBDC ihwanye na Bitcoin, kandi ikigaragara ni uko ibyo byombi Ntaho bihuriye . ”