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“digital currency centralized”, which operates the Central Reserve Bank (BCR), will become a banking mechanism for Peruvians.
BCR President, Julio Velardenoted that the digital currency will improve access to credit for those who do not have access to the financial system.
“We see a centralized digital currency as a solution for those who do not use banking services. If we have a record of all your transactions, it will be easier for you to access credit. We have seen a lot of fintech companies wanting to access this information,” Velarde said at the Davos forum.
As a reminder, INEI data shows that only 54% of the Peruvian population has an account in Financial systemwhich means that half have limited access to funding.
The digital currency that Velarde mentions was developed by BCR over several years and is basically a digital version of legal tender physical currency and is a central bank liability. This can be made available to the public to conduct payment transactions digitally.
Velarde He noted that BCR “learned the hard way” that this type of revolution must come from the Central Bank.
“We need this to be a business for banks to promote it too. There will not be so much in B2B (business to business),” he said.
At the moment there is no formula for what this currency will be, but according to the president of BCR, “it could be similar to digital walletsbut for non-banking people.”
It is worth noting that at present, after the pandemic, about 70% of the population is already using digital wallets to make transactions.
Source: RPP
I’m Liza Grey, an experienced news writer and author at the Buna Times. I specialize in writing about economic issues, with a focus on uncovering stories that have a positive impact on society. With over seven years of experience in the news industry, I am highly knowledgeable about current events and the ways in which they affect our daily lives.