随着加密需求在欧洲的增长，银行可能会失去市场份额

加密投资平台Bitpanda的一项新调查显示，欧洲银行和金融机构可能低估了对加密货币服务的需求。

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

加密投资平台Bitpanda进行的一项新调查发现，欧洲银行和金融机构可能低估了对加密货币服务的需求。

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

尽管投资者的兴趣增长，但目前不到五分之一的金融机构提供数字资产产品。

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.

这项研究对13个欧洲国家的10,000名零售和商业投资者进行了调查，发现超过40％的商业投资者已经持有加密货币，另有18％的计划很快投资。但是，只有19％的金融机构报告了客户对加密产品的强劲需求。

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

这种差异凸显了实际投资者采用和对加密服务的需求之间存在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.

尽管80％的金融机构承认加密货币的重要性越来越重要，但目前只有19％提供此类服务。在提供加密产品的人中，加密转移等服务的需求很高，这表明机构开始满足投资者的不断变化需求。

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，根据Bitpanda副首席执行官Lukas Enzersdorfer-Konrad表示，采用的主要障碍不是法规之类的外部因素，而是内部问题，例如缺乏资源和知识。

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

Enzersdorfer-Konrad说：“金融机构应该能够跟踪收入流出，以了解加密服务的真正需求。”

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%).

调查还发现，27％的受访者希望通过传统银行投资加密货币，而只有14％的受访者会选择加密交易所。在企业投资者中，偏好转向传统银行（27％）的交流（36％）。

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

这一发现表明，通过银行提供更多加密产品可能会推动欧洲更高的采用。

“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警告说：“无法整合加密货币服务的银行和金融机构有可能失去竞争对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.

他补充说，随着欧盟在加密资产管理法规（MICA）中的市场提供监管清晰度，现在是机构采取行动的时间。

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，被调查机构中有28％希望加密货币在未来三年内变得更加相关，进一步强调了金融机构适应不断发展的市场的需求。