LATAM Insights Encore：哥伦比亚CBDC除非带来强大的激励措施，否则不会飞

宣布在哥伦比亚现有的中央银行数字货币（CBDC）飞行员本周引起了一些眉毛。

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.

宣布在哥伦比亚现有的中央银行数字货币（CBDC）飞行员本周引起了一些眉毛。我认为生活在哥伦比亚旁边，并了解该国金融体系的运作方式，我认为实施这种货币仍然为时过早。

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.

现在，哥伦比亚政府有一个很好的机会将人们带入金融体系而不经过银行，这引起了这一过程的摩擦。

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.

哥伦比亚人仍然依靠现金作为大多数购买的付款方式。根据哥伦比亚中央银行的数字，近80％的交易包括2024年的现金，这一数字自2022年以来几乎没有变化。在低收入人群中，这一数字较高，他们表明现金更快，更易于使用，并且由于可能与之相关的可能欺诈而导致的不信任电子方法。

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%.

中央银行数字货币（CBDC）将不得不对这些先入之见进行抗争，以使支付系统现代化，即使金融上的包括90％以上，该系统仍然基本基于现金。

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.

为此，必须通过大量的激励措施来介绍它，例如折扣或储蓄福利。信用可能是激励公民到假设的CBDC的有趣武器，因为只有36.2％的哥伦比亚成年人可以使用某种信用产品。特殊的信用促销也可能使哥伦比亚人拥抱这种新货币，也以相同的方式将其作为付款方式引入。

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.

我发现这项任务很困难，考虑到即使在当时与处理现金相关的所有风险，现金使用号码也没有显着移动。尽管如此，该货币仍处于试点阶段，并且仍然没有关于其最终介绍的消息。