Computerization of social life enabled market participants to search for new forms of electronic payments. The share of cash in total payments is systematically decreasing, which poses the risk of being supplanted by other instruments, including cryptocurrencies. Central banks, therefore, faced the challenge of adjusting their issuing activities to the current social and market conditions, which resulted in the emergence of the concept and discussion of the introduction of digital cash. The purpose of this paper is to examine the abovementioned issues and indication of potential scenarios for the introduction of central bank digital currency with an indication of potential consequences for the banking sector. The thesis of this paper is the following statement: The emergence of digital money of the central bank may significantly change the nature of commercial banks’ activities - including potentially eliminating their role in issuing cashless money.

中文翻译：

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中央银行数字货币：货币体系的实施情景和潜在后果

社会生活的计算机化使市场参与者能够寻找新的电子支付形式。现金在总支付中的份额正在系统地下降，这带来了被其他工具（包括加密货币）取代的风险。因此，中央银行面临着根据当前的社会和市场条件调整其发行活动的挑战，这导致了引入数字现金的概念和讨论的出现。本文的目的是研究上述问题和引入中央银行数字货币的潜在情景，并指出对银行业的潜在影响。这篇论文的论文是这样的陈述：