The CFA Institute, the professional association that provides Chartered Financial Analyst credentialing, surveyed its members on their perceptions of central bank digital currency , saying it wanted to examine the demand-side outlook on the financial technology.
The survey found a wide array of opinions that depended on the location and even the age of the respondents. The response was generally unenthusiastic. Although 47% of respondents said they had a moderate understanding of CBDCs and 42% said they believed that central banks should launch digital versions of fiat currencies , there was a wide divergence between those in developed and emerging markets.
Investment professionals in the United States showed the least support for a CBDC launch, at 31%, compared with 37% in favor in developed markets overall. In emerging markets, support averaged 61%, with support reaching 66% in India and 70% in China. Bankers showed more support than asset managers .The most common reason for supporting CBDCs was accelerated payments and transfers .
Privacy was the most common objection . That was followed by a lack of use case . Only 10% of respondents thought a CBDC would be harmful to banks. Forty-six percent of respondents overall thought a CBDC would have little or no impact on financial inclusion. However, the regional variation in responses was pronounced, as a clear majority in China and India thought a CBDC would improve inclusion, with U.S. respondents coming in lowest at 24%.Willingness to use a CBDC showed similar distributions.
The CFA Institute, the professional association that provides Chartered Financial Analyst credentialing, surveyed its members on their perceptions of central bank digital currency (CBDC), saying it wanted to examine the demand-side outlook on the financial technology.
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