南非的数字支付革命：推动包容性和经济增长

南非储备银行（SARB）公布了数字支付路线图，以推动电子支付技术在该国的广泛采用。尽管取得了进步，南非在数字支付的采用方面仍然落后，特别是在中低收入者中。为了解决这个问题，路线图概述了提高金融技术的可及性、实现支付基础设施现代化以及提高金融知识水平的计划。

South Africa's Digital Payment Revolution: The Path to Financial Inclusion and Economic Growth

南非的数字支付革命：金融包容性和经济增长之路

The South African Reserve Bank (SARB), the nation's central bank, has unveiled an ambitious digital payments roadmap, outlining a comprehensive strategy to transform the country's financial landscape and usher in an era of financial inclusion and economic growth. Published as part of the SARB's Vision 2025, the roadmap acknowledges the "sluggish" adoption of digital payment technologies in South Africa and proposes innovative solutions to accelerate progress towards a fully digitalized economy.

南非央行（SARB）公布了雄心勃勃的数字支付路线图，概述了一项全面战略，旨在改变该国的金融格局，开启金融普惠和经济增长的时代。该路线图作为 SARB 2025 年愿景的一部分发布，承认南非数字支付技术的采用“缓慢”，并提出了创新解决方案，以加快实现完全数字化经济的进程。

Despite having a well-developed financial services sector, especially in banking, South Africa faces a significant challenge in reducing the dependence on cash, particularly among lower and middle-income earners. The roadmap identifies several key barriers to digital payment adoption, including high user costs, low financial literacy, limited accessibility, and lack of trust.

尽管南非拥有发达的金融服务业，特别是银行业，但在减少对现金的依赖方面面临着重大挑战，特别是中低收入者。该路线图确定了数字支付采用的几个关键障碍，包括用户成本高、金融知识水平低、可访问性有限和缺乏信任。

To overcome these hurdles, the SARB has outlined a multi-pronged approach that focuses on increasing the accessibility of financial technology, modernizing payment infrastructure, and removing barriers to usage. The roadmap emphasizes the need for a domestic-oriented approach, prioritizing the development of solutions tailored to South Africa's unique needs.

为了克服这些障碍，南非央行提出了一种多管齐下的方法，重点是提高金融技术的可及性、实现支付基础设施的现代化以及消除使用障碍。该路线图强调需要采取面向国内的方法，优先开发适合南非独特需求的解决方案。

One of the most significant aspects of the roadmap is its exploration of the potential for cryptocurrencies and central bank digital currencies (CBDCs). While crypto assets are not currently recognized as legal tender in South Africa, they have gained traction among businesses and consumers. The SARB is proactively engaging with international best practices in cryptocurrency regulation, recognizing the potential role of distributed ledger technology in enhancing financial services.

该路线图最重要的方面之一是探索加密货币和央行数字货币（CBDC）的潜力。尽管加密资产目前在南非尚未被认可为法定货币，但它们已受到企业和消费者的青睐。 SARB 正在积极参与加密货币监管方面的国际最佳实践，认识到分布式账本技术在增强金融服务方面的潜在作用。

To facilitate the safe and responsible development of the cryptocurrency sector, the SARB plans to establish a regulatory sandbox, allowing eligible stablecoins to be tested for domestic payments. This initiative reflects the SARB's commitment to fostering innovation while ensuring financial stability.

为了促进加密货币行业的安全和负责任的发展，南非央行计划建立一个监管沙箱，允许对符合条件的稳定币进行国内支付测试。这一举措反映了南非央行在确保金融稳定的同时促进创新的承诺。

The roadmap also outlines the SARB's intention to study retail CBDCs, recognizing their potential for providing more cost-effective and real-time digital payments. The exploration of retail and wholesale CBDCs will continue over the next two years, with the aim of determining the feasibility and benefits of implementing a central bank digital currency in South Africa.

该路线图还概述了 SARB 研究零售 CBDC 的意图，认识到它们提供更具成本效益和实时数字支付的潜力。未来两年将继续探索零售和批发 CBDC，旨在确定在南非实施央行数字货币的可行性和好处。

In addition to cryptocurrencies and CBDCs, the roadmap highlights the importance of tokenization in enhancing the security and efficiency of financial transactions. However, the SARB acknowledges that current regulations may not be sufficient to support the growth of tokenized use cases. The central bank is closely monitoring the development of tokenization technology and plans to review and revise regulations to ensure they are aligned with the evolving financial landscape.

除了加密货币和 CBDC 之外，该路线图还强调了代币化在提高金融交易安全性和效率方面的重要性。然而，SARB 承认，当前的法规可能不足以支持代币化用例的增长。央行正在密切关注代币化技术的发展，并计划审查和修改法规，以确保它们与不断变化的金融格局保持一致。

The digital payments roadmap unveiled by the SARB represents a bold step towards building a more inclusive and technologically advanced financial system in South Africa. By addressing barriers to digital payment adoption, exploring innovative technologies, and fostering a vibrant digital economy, the SARB aims to unlock economic growth and improve the financial well-being of all South Africans.

南非央行公布的数字支付路线图代表着南非朝着建立更具包容性和技术先进的金融体系迈出了大胆的一步。通过解决数字支付采用的障碍、探索创新技术和培育充满活力的数字经济，南非央行旨在促进经济增长并改善所有南非人的财务福祉。