匯豐:商戶和消費者對「數碼港元」試驗感滿意 期待與金管局進一步合作
匯豐發布有關在香港科技大學校園進行模擬「數碼港元」試驗的結果摘要。匯豐香港區行政總裁林慧虹表示,是次試驗以閉環形式進行,所得結果初步展示央行數碼貨幣生態系統能為日常支付帶來的潛在好處,其分散式分類帳技術(DLT),支援模擬「數碼港元」代幣在消費者和商戶錢包之間以接近即時且高效的方式轉移,並利用智慧合約可編程功能,自動根據預設的條件向客戶發放獎勵和折扣。
林慧虹表示,商戶和消費者對此表示十分滿意,加上自動獎賞令推廣日的交易量增加85%,又指期待與金管局緊密合作,準備進行更多的試驗,探索各種創新可編程方案、應用場景及邀請更多參與者。
匯豐指,在未來下一階段,除了在用戶體驗上須加以改進,例如讓支付更便利、設置更簡易外,建議未來研究的方向還應包括進一步探索和測試在分布式分類帳技術上的程式化可能用例,開展更多關於其他高端程式功能的場景測試,例如貨到付款、顧客身份折扣及代幣再分配。
根據實際系統設計,建立沙盒基礎設施,以評估數碼貨幣發行和跨銀行管理的可行性;測試數碼貨幣如何支援金融工具的進一步發展,包括數碼資產的用例。
同時將「數碼港元」先導計劃的應用場境擴展至更多的商戶及更大的消費者群,將有助於進一步測試現有的假設,以及測試更多的新假設。
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