2023年2月24日

據報道，在與合作夥伴Bitt Inc推出央行數字貨幣一年多後，尼日利亞中央銀行正在尋找新的技術合作夥伴。預計新的合作夥伴將幫助中央銀行實施一個係統，使其對數字貨幣有更大的控製。一位專家表示，如果中央銀行希望看到更多的尼日利亞人采用電子奈拉，它應該考慮改善用戶體驗。一份報告稱，尼日利亞中央銀行(CBN)正在尋求安裝一個新係統來運行其央行數字貨幣(CBDC)，目前正在與潛在的技術合作夥伴進行談判。據報道，中央銀行熱衷於開發數字貨幣技術，使其對CBDC有更大的控製權。R3是一家企業技術和服務提供商，是潛在的合作夥伴之一，據報道，他們已經討論了為e-naira部署一種不同的技術。根據報道，CBN選擇的合作夥伴預計不會立即取代央行最初的技術合作夥伴Bitt Inc.。相反，央行希望新的合作夥伴關係將幫助其實現控製CBDC底層技術的目標。雖然官方尚未對CBN的計劃發表評論，但據報道，Bitt公司承認，尼日利亞央行“與各種服務提供商合作，探索數字基礎設施的技術創新”。盡管如此，這家總部位於巴巴多斯的技術公司表示，它仍與CBN密切合作，“目前正在開發其他功能和增強功能”。 Remarking on the CBN’s reported plans, Lucky Uwakwe Arisukwu, the CEO of the 4th industrial revolution technology hub Sabi Group, concurred that the central bank’s desire to control digital currency could be the primary motivating factor. To support this viewpoint, Uwakwe made reference to the recently launched domestic card scheme known as Afrigo. Just like the e-naira, the Afrigo scheme seeks to bolster the country’s national payment system as well as to deepen the usage of electronic platforms in Nigeria. Although the CBN governor has rejected assertions that the card scheme seeks to push out international service providers, Uwakwe argued that the central bank could not have launched this scheme if it lacked control. According to Uwakwe, the CBN wants to apply the same approach to the e-naira. Bolstering the E-Naira Despite it being Africa’s only functioning CBDC, uptake of the e-naira has been slow, and according to a Bitcoin.com News report in August 2022, just under one million e-naira speed wallets had been downloaded at the time. The Nigerian public’s then lukewarm response reportedly prompted the CBN to look for ways of getting more Nigerians to download the e-naira speed wallet. My eNaira experience and the current Nigeria bank note scarcity issue @cenbank gave us a solution already even before the problem started While it not 100% it goes a long way & it a win for major of the public queuing in bank ATM and a win for @cenbank https://t.co/14wHBsFLjn — Lucky Uwakwe ( KING of DeFi / NFT/SocialFi /GameFi (@luo2027) February 3, 2023 One of the ways the CBN has attempted to achieve this is by offering rewards to residents or merchants that accept the e-naira. In addition to these incentives, Uwakwe said the CBN should also work on improving user experience if it wants to see more Nigerians using the CBDC. “If the user experience is improved upon, definitely they would have a great of adoption. The central bank also needs to for instance consider mandating that all civil servants should receive a part of their salary paid in the e-naira format,” Uwakwe said. The Sabi CEO also noted how commercial banks’ failure or reluctance to allow for the seamless conversion of the e-naira to the fiat naira and vice versa is possibly working against the CBN’s efforts. Register your email here to get a weekly update on African news sent to your inbox: Tags in this story