Нигерийские эксперты настаивают на том, что первый в Африке CBDC в настоящее время не для тех, у кого нет банковских счетов

While the Central Bank of Nigeria (КНБ) continues to tout the e-nairas credentials as a tool for fostering financial inclusion, some experts agree that this central bank digital currency (CBDC) is presently not doing this.

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The CBDCs Chaotic Start

This assertion as well as the e-naira apps brief removal from Google Play Store appears to lend credence to claims the CBN may have rushed to launch what is in fact Africas first CBDC.

Although a отчет by the Punch newspaper suggests that the CBN is now working towards the release of a version of the e-naira app for the unbanked, it still does not state when this is likely to be available. It is this apparent by the CBN that has left players in Nigerias blockchain industry questioning the central banks ability to manage this CBDC.

As one crypto expert цитируется by Cryptoassetbuyer explains, this failure by the CBN to roll out a digital currency that is accessible to all Nigerians means the central bank is unlikely to achieve its main goal of bringing financial services to Nigerias unbanked population. The expert, Chiagozie Iwu, the founder of Naijacrypto and CEO of CI Cryptosolutions, объяснил:

Во-первых, the app requires me to use my banks app before I am able to transact with it; so what service does it offer me that my banks dont already offer? So it doesnt look to me that the CBN is targeting people that do not have a bank account. Очевидно, anybody with a smartphone to download an app should also have a bank account in the first place. The fact that I have to use my bank account to log in defeats the saying that they are going tobank the unbank.

Although the CBN repeatedly promised that its e-naira wallet would be available to non-smartphone users to transact with the digital currency, at the time of writing this service was still not available.

The CBNs Trust Deficit

журналист Лаура Шин опубликовала статью, в которой утверждается, что, in addition to its non-availability to feature phone users, the e-naira app could well be a product of haphazard planning, according to Iwu. While conceding that the e-naira appjust like other applicationsmay have a fewbugsIwu suggested that this could have been avoided had the CBN properly used the funds that had been set aside for the project.

Another expert, Charles Okaformbah, the CTO at Convexity, suggested a beta test could have prevented the CBN from releasing the faulty app. The report quotes Okaformbah explaining:

I think that if the app developers had done a lot of testssay close testing of the application with some selected group of people outside the development teamI believe some of the issues would have been noticed and fixed.

Экономист, Lloyd Onaghinon, thought the collaboration between the CBN and players in the Nigerian blockchain industry could have resulted in a much better final product.

In its conclusion, the Cryptoassetbuyer report states that there is a noticeable trust deficit and that the onus is on the CBN to fix this.

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