比特币能成为数字支付的未来吗?

Andrea Valente, David Atkinson
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引用次数: 3

摘要

这项研究旨在调查比特币作为一种领先的加密货币发展的条件,根据中本聪(2008)的说法,比特币可能成为世界各地日常支付的工具。与其他数字支付解决方案相比,比特币是基于使用“区块链”的点对点电子现金系统。这项创新技术允许以完全匿名的方式去中心化存储和移动货币,为加密安全和更快的交易引入了有利的方法(Hagiu & Beach, 2014)。然而,对比特币的基础、能源消耗和价格波动的怀疑并没有花很长时间出现(Holthaus, 2017)。白皮书发布十年后,比特币得到了同样的驱动因素的进一步支持,这些驱动因素可以维持其作为数字支付未来的增长(Russo, 2018)。为了调查比特币被接受的关键驱动因素和可行性,一项基于伦敦的调查被用来了解比特币作为数字支付日常工具的可取性。此外,本研究分析了比特币的利益相关者,并预测了其应用成为支付行业未来的可持续性驱动因素。这个空间依赖于涉及社会多层面的政策,包括政府、监管机构和科技公司,所有这些都是在全球范围内的。调查结果证实,政治和金融机构日益缺乏信任,加上科技公司数据泄露案件的增加,促使超过70%的受访者考虑在日常行动中采用更分散和匿名的方法;就像支付。政策制定者需要应对社会在政治上日益分离,但在数字上聚集在一起的情况(LBS, 2017)。比特币要真正成为一种全球数字支付解决方案,关键利益相关者的接受程度必须与引入更强有力的监管结合起来。
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Can Bitcoin be the Future of Digital Payments?
This study aimed to investigate the conditions in which Bitcoin has developed as a leading cryptocurrency and, according to Nakamoto (2008), could become an instrument for everyday payments around the world. In comparison to other digital payment solutions, Bitcoin is based on a peer-to-peer electronic cash system using “the blockchain”. This innovative technology allows for decentralised storage and movement of currency in a fully anonymous way, introducing advantageous methods for encrypted security and faster transactions (Hagiu & Beach, 2014). Scepticism regards Bitcoin’s foundation, energy consumption and price volatility, however, did not take long to arise (Holthaus, 2017). Ten years from its white paper release, Bitcoin is further supported by the same drivers which could sustain its growth as the future of digital payments (Russo, 2018). In order to investigate the key drivers and feasibility of acceptance, a London based survey was used to understand the desirability of Bitcoin as a day-to-day tool for digital payments. Additionally, this research analysed Bitcoin’s stakeholders and forecast drivers of sustainability for its application to become the future of the payment industry. A space which relies on policies that involve multiple layers of society, governments, regulators and tech-firms, all on a global scale. The findings confirmed how the increasing lack of trust of political and financial institutions, coupled with the increasing cases of data-breaches by tech-firms, encouraged over 70% of respondents to consider more decentralised and anonymous methods for their day-to-day actions; like payments. Policy makers need to cope with societies increasingly separating politically but gathering together digitally (LBS, 2017). For Bitcoin to truly establish itself as a global digital payment solution, key stakeholder acceptance must converge alongside the introduction of more robust regulation.
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