ナイジェリアの貸し手がCBDCの採用を苛立たせている—中央銀行総裁

Apathetic Nigerian lenders are frustrating the e-naira’s adoption because they are worried this could deprive them of a key revenue source, ゴッドウィンイブニング, ナイジェリア中央銀行 (CBN) 知事, 言った. Emefiele said the central bank is working on a channel that would enable Nigerians without bank accounts to open e-naira wallets.

E-Naira Undercuts Lenders’ Investment in Mobile Banking Infrastructure

The Nigerian central bank governor, ゴッドウィンイブニング, has reportedly slammed some lenders he accuses of thwarting the adoption of the e-naira digital currency in the country. According to Emefiele, lenders are not prioritizing the promotion of the central bank’s digital currency because they fear this could deprive them of revenue earned from normal banking services.

Explaining the reasons behind the lenders’ reluctance, a Bloomberg 報告 said e-naira transactions do not attract charges while the deposits are not regarded as cash in the lenders’ books. さらに遠く, the e-naira digital currency is said to undercut investments that lenders made in mobile banking services as part of their efforts to bolster fee and commission incomes.

Lender ‘Apathy’

After describing the lenders’ unwillingness to promote the use of the central bank digital currency (CBDC) as an “apathy” Emefiele revealed the Central Bank of Nigeria is about to conclude tests on a channel that enables Nigerians without bank accounts to open e-naira wallets. The central bank is working with the mobile network operator MTN on this channel.

According to the CBN, since launching the digital currency in Q4 of 2021, それだけ 700,000 e-naira wallets have been downloaded. Part of the reason for this is the fact that only account holders can open an e-naira wallet.

その間, following the central bank’s monetary policy committee meeting which ran for two days, the CBN 伝えられるところによると resolved to increase the monetary policy rate (MPR) に 14%. Concerning the rate hike, Emefiele reportedly said:

If inflation continues to rise at this rate, we will continue to tighten [の] rate, but we are looking at other measures that will slow down inflation and food prices. But if that does not happen, 私たち [MPC] cannot promise that rate hikes will stop.

The committee, でも, resolved to “retain the asymmetric corridor at +100/-700 basis points around the MPR.” The liquidity ratio also is unchanged at 30%.

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テレンス・ジムワラ

Terence Zimwaraはジンバブエの受賞歴のあるジャーナリストです, 作家とライター. 彼は、いくつかのアフリカ諸国の経済問題や、デジタル通貨がどのようにアフリカ人に脱出経路を提供できるかについて幅広く書いています。.

画像クレジット: シャッターストック, Pixabay, ウィキ・コモンズ, シャッターストック / mundissima