南非的數位支付革命：推動包容性和經濟成長

南非儲備銀行（SARB）公佈了數位支付路線圖，以推動電子支付技術在該國的廣泛採用。儘管取得了進步，南非在數位支付的採用方面仍然落後，特別是在中低收入者。為了解決這個問題，路線圖概述了提高金融技術的可及性、實現支付基礎設施現代化以及提高金融知識水平的計劃。

South Africa's Digital Payment Revolution: The Path to Financial Inclusion and Economic Growth

南非的數位支付革命：金融包容性與經濟成長之路

The South African Reserve Bank (SARB), the nation's central bank, has unveiled an ambitious digital payments roadmap, outlining a comprehensive strategy to transform the country's financial landscape and usher in an era of financial inclusion and economic growth. Published as part of the SARB's Vision 2025, the roadmap acknowledges the "sluggish" adoption of digital payment technologies in South Africa and proposes innovative solutions to accelerate progress towards a fully digitalized economy.

南非央行（SARB）公佈了雄心勃勃的數位支付路線圖，概述了一項全面戰略，旨在改變該國的金融格局，開啟金融普惠和經濟成長的時代。該路線圖作為 SARB 2025 年願景的一部分發布，承認南非數位支付技術的採用“緩慢”，並提出了創新解決方案，以加快實現完全數位化經濟的進程。

Despite having a well-developed financial services sector, especially in banking, South Africa faces a significant challenge in reducing the dependence on cash, particularly among lower and middle-income earners. The roadmap identifies several key barriers to digital payment adoption, including high user costs, low financial literacy, limited accessibility, and lack of trust.

儘管南非擁有發達的金融服務業，特別是銀行業，但在減少對現金的依賴方面面臨重大挑戰，特別是中低收入者。該路線圖確定了數位支付採用的幾個關鍵障礙，包括用戶成本高、金融知識水平低、可訪問性有限和缺乏信任。

To overcome these hurdles, the SARB has outlined a multi-pronged approach that focuses on increasing the accessibility of financial technology, modernizing payment infrastructure, and removing barriers to usage. The roadmap emphasizes the need for a domestic-oriented approach, prioritizing the development of solutions tailored to South Africa's unique needs.

為了克服這些障礙，南非央行提出了多管齊下的方法，重點是提高金融科技的可及性、實現支付基礎設施的現代化以及消除使用障礙。路線圖強調需要採取面向國內的方法，優先開發適合南非獨特需求的解決方案。

One of the most significant aspects of the roadmap is its exploration of the potential for cryptocurrencies and central bank digital currencies (CBDCs). While crypto assets are not currently recognized as legal tender in South Africa, they have gained traction among businesses and consumers. The SARB is proactively engaging with international best practices in cryptocurrency regulation, recognizing the potential role of distributed ledger technology in enhancing financial services.

該路線圖最重要的方面之一是探索加密貨幣和央行數位貨幣（CBDC）的潛力。儘管加密資產目前在南非尚未被認可為法定貨幣，但它們已受到企業和消費者的青睞。 SARB 正在積極參與加密貨幣監管方面的國際最佳實踐，並認識到分散式帳本技術在增強金融服務方面的潛在作用。

To facilitate the safe and responsible development of the cryptocurrency sector, the SARB plans to establish a regulatory sandbox, allowing eligible stablecoins to be tested for domestic payments. This initiative reflects the SARB's commitment to fostering innovation while ensuring financial stability.

為了促進加密貨幣行業的安全和負責任的發展，南非央行計劃建立一個監管沙箱，允許對符合條件的穩定幣進行國內支付測試。這項措施反映了南非央行在確保金融穩定的同時促進創新的承諾。

The roadmap also outlines the SARB's intention to study retail CBDCs, recognizing their potential for providing more cost-effective and real-time digital payments. The exploration of retail and wholesale CBDCs will continue over the next two years, with the aim of determining the feasibility and benefits of implementing a central bank digital currency in South Africa.

路線圖還概述了 SARB 研究零售 CBDC 的意圖，認識到它們提供更具成本效益和即時數位支付的潛力。未來兩年將繼續探索零售和批發 CBDC，旨在確定在南非實施央行數位貨幣的可行性和好處。

In addition to cryptocurrencies and CBDCs, the roadmap highlights the importance of tokenization in enhancing the security and efficiency of financial transactions. However, the SARB acknowledges that current regulations may not be sufficient to support the growth of tokenized use cases. The central bank is closely monitoring the development of tokenization technology and plans to review and revise regulations to ensure they are aligned with the evolving financial landscape.

除了加密貨幣和 CBDC 之外，該路線圖還強調了代幣化在提高金融交易安全性和效率方面的重要性。然而，SARB 承認，目前的法規可能不足以支持代幣化用例的成長。央行正在密切關注代幣化技術的發展，並計劃審查和修改法規，以確保它們與不斷變化的金融格局保持一致。

The digital payments roadmap unveiled by the SARB represents a bold step towards building a more inclusive and technologically advanced financial system in South Africa. By addressing barriers to digital payment adoption, exploring innovative technologies, and fostering a vibrant digital economy, the SARB aims to unlock economic growth and improve the financial well-being of all South Africans.

南非央行公佈的數位支付路線圖代表南非朝著建立更具包容性和技術先進的金融體系邁出了大膽的一步。透過解決數位支付採用的障礙、探索創新技術和培養充滿活力的數位經濟，南非央行旨在促進經濟成長並改善所有南非人的財務福祉。