НАЛАШТУВАННЯ КОНФІДЕНЦІЙНОСТІ ТА ДОВІРА ДО ЦЕНТРОБАНКІВ: НЕОДНОРІДНІСТЬ У ВИПАДКУ CBDC
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Надіслано: 13-02-2025
Опубліковано: 30-06-2025
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Анотація
Успішний попит на CBDC залежить від його дизайну, який буде широко прийнятий суспільством. Також потрібна відповідна довіра до центрального банку. У цій роботі на основі результатів опитування та шкали Лайкерта із застосуванням кількісних показників загальної переваги конфіденційності вводяться переваги конфіденційності в цифровому та фінансовому середовищі. Підтверджується узгодженість налаштувань конфіденційності в різних налаштуваннях. Але така послідовність зникає, тоді структура вибору ускладнюється. Немає відповідності між рівнем кількісних показників уподобань конфіденційності та вибором між анонімністю CBDC та функціональністю дизайну CBDC; довіра до здатності центрального банку гарантувати конфіденційність CBDC на противагу відсутності довіри; Довіра до незалежності центрального банку як передумова такої гарантії на противагу відсутності довіри. Кластерний аналіз показує, що респонденти організовані в групи, де може переважати узгодженість уподобань, парадокс конфіденційності та щось середнє між ними. Це емпіричний аргумент для підтвердження неоднорідності вподобань респондентів щодо складності структури вибору, що не є незначною для оптимального проектування CBDC. Центральні банки повинні глибше займатися незвичайною функцією вивчення переваг і просування функціональності CBDC, при цьому приватність не повинна ігноруватися.
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