柬埔寨国家银行利用 Hyperledger Iroha 促进金融包容性
公司规模
Large Corporate
地区
- Asia
国家
- Cambodia
产品
- Hyperledger Iroha
- Bakong
技术栈
- Blockchain
- Distributed Ledger Technology
- Mobile Apps
实施规模
- Enterprise-wide Deployment
影响指标
- Cost Savings
- Customer Satisfaction
- Digital Expertise
技术
- 应用基础设施与中间件 - 区块链
- 功能应用 - 远程监控系统
适用行业
- 金融与保险
适用功能
- 商业运营
用例
- 资产健康管理 (AHM)
- 机器间付款
服务
- 软件设计与工程服务
- 系统集成
关于客户
柬埔寨国家银行 (NBC) 是柬埔寨的中央银行。它是该国的货币和监管机构，其使命是确定和指导货币政策，旨在维持价格稳定，促进王国经济和金融政策框架内的经济发展。作为货币当局，NBC 是国家货币高棉瑞尔的唯一发行机构。作为监管机构，NBC 有权对柬埔寨的银行和金融机构进行许可、吊销许可、监管和监督。
挑战
在柬埔寨，78% 的人口没有银行账户，但超过一半的人拥有智能手机。尽管本国货币高棉瑞尔稳定，但大多数交易都是以美元进行的。柬埔寨国家银行 (NBC) 希望实现该国零售支付系统的现代化，推广使用本国货币，并覆盖无银行账户的人口。各家银行和第三方使用的现有银行系统经常存在兼容性问题，导致效率低下。NBC 有兴趣探索基于区块链的系统是否能够更快、更低成本地处理交易，从而促进瑞尔的更广泛使用。
解决方案
NBC 与区块链开发专家 Soramitsu 合作，使用 Hyperledger Iroha 区块链框架创建了法定支持的数字货币。该项目名为 Bakong，允许个人使用简单的智能手机应用程序转账和购物。商家获得了快速、无现金且安全的支付系统，银行可以以低得多的成本进行银行间转账。该系统设计为安全系统，由第三方网络安全测试公司进行了多次安全审查。Bakong 系统于 2019 年进行了软启动测试，有超过 10,000 名用户参与。
运营影响
数量效益
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