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Newsroom

Newsweek

1/20/2022

 
The IPA has been quoted in Newsweek. We invite you to click over and read the article published on January 20, 2022. 

Payments 3.0: Digital Bank Currencies: Are We Truly Prepared?

1/1/2022

 

Ben Jackson

IPA, COO

The birth of cryptocurrencies and the digitization of payments have led central banks worldwide to consider launching their own digital dollars.

These central bank digital currencies (CBDC) could either supplement or replace government-issued cash as legal tender. Proponents say the tokens could offer benefits to citizens, governments, and businesses, while others have concerns about the effects they could have on privacy and the commercial banking and payments industry.

As of now, almost 50 countries have a central bank digital currency in some stage of development, and another 40 are researching the idea, according to the nonprofit Atlantic Council. The Web site CBDCtracker.org lists five countries that have canceled their CBDC currencies, including Finland, which launched a card-based program called Avant in 1992 to replace cash for small transactions.

Click to read the full article.

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