欧洲央行执委会成员皮耶罗·奇波隆内表示，数字欧元的设计将确保欧洲银行继续作为欧元区支付体系 核心，同时保护本土支付卡组织。 在支付数字化浪潮下，作为当前唯一央行货币的现金地位被削弱，欧洲央行启动数字欧元项目以与私人 形式货币竞争。此前银行曾担忧，数字欧元由欧洲央行直接管理、用户在央行开立账户的模式，会削弱 自身在支付处理中的角色。奇波隆内指出，即便没有数字欧元，银行也会面临失去支付角色的风险，数 字欧元反而能为其提供帮助，项目核心目标是"维护银行在支付领域的中心地位"。他提到，银行可能因 稳定币及其他私人支付方案丢失支付业务，不仅会损失直接收入，更会失去支撑高利润增值服务的客户 支付数据。 在本土支付体系保护层面，奇波隆内表示，数字欧元将强化意大利Bancomat卡组织、西班牙Bizum点对 点支付系统等本土体系的作用。通过系统设计，商户使用本土支付网络的成本将进一步降低。他明确， 数字欧元网络向商户收取的费用上限，将低于收费较高的国际支付网络，但高于本土支付体系的常规收 费标准，以此平衡各方运营成本。目前欧元区21个成员国中仅8个拥有国家级支付系统，其余国家完全 依赖国际网络，数字欧元将切实为本土支付体系带 ...

Group 1 - The Italian Banking Association (ABI) supports the European Central Bank's (ECB) digital euro project but requests that the necessary investments be phased due to high costs [1] - The ECB is exploring a digital version of the euro to strengthen monetary sovereignty in the eurozone, but the legislative process is slow due to opposition from some banks in France and Germany [1] - These banks are concerned that the project could lead to millions of Europeans using the ECB's online wallet for daily payments, potentially reducing their bank deposits [1] Group 2 - After a two-year preparation period, the ECB's Governing Council decided to advance the digital euro project to the next phase during a meeting held in Florence, Italy, on October 29-30 [3] - The digital euro project is expected to enter a pilot phase in 2027, with a potential launch in 2029, contingent on EU legislation anticipated to pass in 2026 [3]