Quite a symbol.
Crédit Mutuel has placed the possible creation of a digital euro among the main challenges for the banking system in 2021. The future virtual currency of the European Central Bank (ECB) could, it is true, do without banks.
One of the scenarios studied would be for individuals to directly hold an account (or electronic wallet) at the ECB into which they would deposit their savings and from which they could make payments.
This would then have serious consequences for the banking sector in the euro zone.
“The main pitfall of a central bank digital currency would be to bypass commercial banks and take away a substantial part of their jobs,”
explains Pierre-Édouard Batard, director general of the Confédération Nationale du Crédit Mutuel
.
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In fact, banks fear above all that they will be dispossessed of a large part of their customers' deposits.
This could in particular slow down their
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