LATAM Insights Encore：哥倫比亞CBDC除非帶來強大的激勵措施，否則不會飛

宣佈在哥倫比亞現有的中央銀行數字貨幣（CBDC）飛行員本週引起了一些眉毛。

The announcement of an existing central bank digital currency (CBDC) pilot in Colombia raised some eyebrows this week. Living next to Colombia, and having an understanding of how the financial system works in that country, I believe that it is still too soon for the implementation of such a currency.

宣佈在哥倫比亞現有的中央銀行數字貨幣（CBDC）飛行員本週引起了一些眉毛。我認為生活在哥倫比亞旁邊，並了解該國金融體系的運作方式，我認為實施這種貨幣仍然為時過早。

Now, there is a great opportunity for the Colombian government to bring people into the financial system without passing through banks, which introduce friction to this process.

現在，哥倫比亞政府有一個很好的機會將人們帶入金融體係而不經過銀行，這引起了這一過程的摩擦。

Colombians still rely on cash as a payment method for most of their purchases. According to numbers from the Colombian Central Bank, close to 80% of all the transactions included cash in 2024, a number that has changed little since 2022. This number is higher among low-income individuals, who signal that cash is faster and easier to use, and distrust electronic methods due to the possible fraud associated with them.

哥倫比亞人仍然依靠現金作為大多數購買的付款方式。根據哥倫比亞中央銀行的數字，近80％的交易包括2024年的現金，這一數字自2022年以來幾乎沒有變化。在低收入人群中，這一數字較高，他們表明現金更快，更易於使用，並且由於可能與之相關的可能欺詐而導致的不信任電子方法。

A central bank digital currency (CBDC) will have to fight these preconceptions to modernize the payments system, which is still largely cash-based, even with a financial inclusion of over 90%.

中央銀行數字貨幣（CBDC）將不得不對這些先入之見進行抗爭，以使支付系統現代化，即使金融上的包括90％以上，該系統仍然基本基於現金。

To do this, it would have to be introduced with hefty incentives, like discounts or savings benefits for the citizens involved. Credit might be an interesting weapon to incentivize citizens to a hypothetical CBDC, as only 36.2% of Colombian adults have access to some kind of credit product. Special credit promotions could also make Colombians embrace this new currency, also introducing it as a payment method in the same way.

為此，必須通過大量的激勵措施來介紹它，例如折扣或儲蓄福利。信用可能是激勵公民到假設的CBDC的有趣武器，因為只有36.2％的哥倫比亞成年人可以使用某種信用產品。特殊的信用促銷也可能使哥倫比亞人擁抱這種新貨幣，也以相同的方式將其作為付款方式引入。

I find this mission pretty difficult, considering that cash usage numbers did not move significantly during the COVID-19 even with all the risks associated with handling cash at that time. Nonetheless, the currency is still in its pilot stages, and there is still no news about its final introduction.

我發現這項任務很困難，考慮到即使在當時與處理現金相關的所有風險，現金使用號碼也沒有顯著移動。儘管如此，該貨幣仍處於試點階段，並且仍然沒有關於其最終介紹的消息。