ECB Official Names Key Benefits of Digital Euro

As an analyst with extensive experience in the global financial landscape, I find Piero Cipollone’s perspective on the digital euro project insightful and well-grounded. His emphasis on Europe’s financial sovereignty resonates strongly with my own belief that a strong domestic financial system is crucial for any nation’s economic independence.


Piero Cipollone, a member of the executive board of the European Central Bank (ECB), recently spoke about the key benefits of the digital euro, arguing that the project would be able to bolster Europe’s financial sovereignty. 

Cipollone predicted a potential situation where Alipay, the dominant mobile payment service in China, could be the exclusive payment method accessible to Europeans.

He noted the popularity of cash continues to decline steadily, with digital payments emerging as the increasingly dominant option. 

As a result, it’s possible that Europeans might grow more reliant on external payment systems rather than ones based within Europe.

According to Cipollone, having a self-governing digital payment system could enhance Europe’s financial robustness.

The long-prepared project is set to become accessible to all individuals within the Eurozone. Remarkably, users can utilize the digital euro not only on digital platforms but also offline.

Additionally, a digital euro could prove advantageous for small merchants, many of whom find it challenging to negotiate favorable terms with payment service providers. This discrepancy in treatment can place smaller merchants at a competitive disadvantage vis-à-vis their larger counterparts.

In addition, Cipollone shared recent developments regarding the ongoing project, a probe into which was initiated as far back as 2021.

Currently, the European Central Bank is working on drafting the guidelines and addressing the technical details for the digital euro initiative.

The Executive Council of the European Central Bank will reveal if the project is prepared to proceed to the following stage by next year.

According to an article from U.Today, Fabio Panetta – a key member of the European Central Bank’s leadership group – has criticized Bitcoin and Ethereum, suggesting that these leading cryptocurrencies lack any inherent or fundamental worth.

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2024-09-23 22:14