纽约联储-货币化隐私（英）

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纽约联储-货币化隐私（英）

# 隐私 # 货币大小：0.32M | 页数：27 | 上架时间：2021-02-18 | 语言：英文

纽约联储-货币化隐私（英）.pdf

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纽约联储-货币化隐私（英）.pdf

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类型: 专题

上传者: ZF报告分享

撰写机构: 纽约联储

出版日期: 2021-01-27

摘要：

In a market where consumers choose between payment options and firms compete with products and prices, we show that payment data drives the formation of a market monopoly. A datasharing policy can successfully restore and maintain a competitive market, but often at the expense of both efficiency and consumer welfare. The introduction of a low-cost anonymous means of electronic payment, or digital cash, preserves the market structure and improves consumers’ welfare by enabling them to monetize their private information. We discuss the potential role of central banks in providing digital cash.

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