隨著加密需求在歐洲的增長，銀行可能會失去市場份額

加密投資平台Bitpanda的一項新調查顯示，歐洲銀行和金融機構可能低估了對加密貨幣服務的需求。

A new survey by crypto investment platform Bitpanda has found that European banks and financial institutions may be underestimating the demand for cryptocurrency services.

加密投資平台Bitpanda進行的一項新調查發現，歐洲銀行和金融機構可能低估了對加密貨幣服務的需求。

Despite growing investor interest, fewer than one in five financial institutions currently offer digital asset products.

儘管投資者的興趣增長，但目前不到五分之一的金融機構提供數字資產產品。

The study, which surveyed 10,000 retail and business investors across 13 European countries, found that over 40% of business investors already hold cryptocurrencies, and another 18% plan to invest soon. However, only 19% of financial institutions reported strong demand for crypto products from their clients.

這項研究對13個歐洲國家的10,000名零售和商業投資者進行了調查，發現超過40％的商業投資者已經持有加密貨幣，另有18％的計劃很快投資。但是，只有19％的金融機構報告了客戶對加密產品的強勁需求。

This disparity highlights a 30% gap between actual investor adoption and the perceived need for crypto services.

這種差異凸顯了實際投資者採用和對加密服務的需求之間存在30％的差距。

While 80% of financial institutions acknowledged the growing importance of crypto, only 19% currently offer such services. Among those offering crypto products, services like crypto transfers were in high demand, indicating that institutions are beginning to respond to the shifting needs of investors.

儘管80％的金融機構承認加密貨幣的重要性越來越重要，但目前只有19％提供此類服務。在提供加密產品的人中，加密轉移等服務的需求很高，這表明機構開始滿足投資者的不斷變化需求。

However, the main barriers to adoption were not external factors like regulation but internal issues such as a lack of resources and knowledge, according to Bitpanda deputy CEO Lukas Enzersdorfer-Konrad.

但是，根據Bitpanda副首席執行官Lukas Enzersdorfer-Konrad表示，採用的主要障礙不是法規之類的外部因素，而是內部問題，例如缺乏資源和知識。

“Financial institutions should be able to track revenue outflows to understand the real demand for crypto services,” Enzersdorfer-Konrad stated.

Enzersdorfer-Konrad說：“金融機構應該能夠跟踪收入流出，以了解加密服務的真正需求。”

The survey also found that 27% of respondents would prefer to invest in cryptocurrencies through traditional banks, compared to just 14% who would choose a crypto exchange. Among business investors, the preference shifted towards exchanges (36%) over traditional banks (27%).

調查還發現，27％的受訪者希望通過傳統銀行投資加密貨幣，而只有14％的受訪者會選擇加密交易所。在企業投資者中，偏好轉向傳統銀行（27％）的交流（36％）。

This finding suggests that offering more crypto products through banks could drive higher adoption in Europe.

這一發現表明，通過銀行提供更多加密產品可能會推動歐洲更高的採用。

“Banks and financial institutions that fail to integrate cryptocurrency services risk losing significant revenue to competitors or crypto-native companies,” Enzersdorfer-Konrad warned.

Enzersdorfer-Konrad警告說：“無法整合加密貨幣服務的銀行和金融機構有可能失去競爭對手或加密本地公司的大量收入。”

With the EU’s Markets in Crypto-Assets Regulation (MiCA) providing regulatory clarity, the time for institutions to act is now, he added.

他補充說，隨著歐盟在加密資產管理法規（MICA）中的市場提供監管清晰度，現在是機構採取行動的時間。

Additionally, 28% of surveyed institutions expect crypto to become more relevant within the next three years, further emphasizing the need for financial institutions to adapt to the evolving market.

此外，被調查機構中有28％希望加密貨幣在未來三年內變得更加相關，進一步強調了金融機構適應不斷發展的市場的需求。