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【星島頭條】數碼港元|恒生完成實境支付測試

金管局今年啟動「數碼港元」先導計劃,近日滙豐及恒生銀行公布首輪試驗進展。恒生銀行表示,該機構參與的3個用例當中,關於可編程支付用例的實境模擬測試已於本月完成。而滙豐與科大商學院,將於明日(16日)起展開為期一周的假設性的數碼港元測試。

恒生與7商戶合作測試 成功支付及發獎勵

恒生表示,夥拍數碼港、中文大學及其他不同企業,讓過百位個人消費者、中大師生及恒生員工,在7間商戶成功以恒生假設性的數碼港元錢包參與測試,包括商戶支付及獎勵計劃、資助發放、以及個人對個人轉賬。

恒生行政總裁施穎茵及一眾管理層,亦一同參與是次實境模擬測試,施穎茵表示,恒生自央行數碼貨幣的初始階段已一直參與其中,並積極支持金管局探索數碼港元,今次測試所得的經驗,可為數碼港元的未來發展提供參考,並將推動該行增強香港在環球支付市場的競爭力。

恒生行政總裁施穎茵親身體驗,以假設性的數碼港元在商戶購買食物。

滙豐科大測試 每名師生擁100元代幣消費

日前滙豐與科大商學院亦公布,將於本月16日起展開為期一周的假設性的數碼港元測試,近200名科大師生已報名參與試驗,每位參加者可透過計劃特設的電子錢包內,獲得100元假設性的數碼港元代幣,在7天測試期間,於校內的咖啡店及飯堂等共5家商戶消費。

滙豐指,為準備是次測試,設計並構建了一個平台,利用分布式分類帳技術(DLT),模擬在不同零售場境的設定下,處理可編程貨幣的支付和即時結算。另一方面,原型數碼代幣亦具備智能合約和可編程功能,讓客戶於完成符合條件的交易時,可自動獲取預設的獎賞。

滙豐香港區數字化總監博揚(左二)、科大商學院院長譚嘉因(右二)及學生,一起參與為期一周的假設性數碼港元試驗。

科大:有助了解數碼港元支付定位

滙豐香港區數字化總監博揚(Bojan Obradović)表示,香港的支付生態系統百花齊放,是次研究結果將有助驗證數碼貨幣在零售及公共場景的效用。科大商學院院長譚嘉因表示,這項試驗計劃為有關數碼港元的進一步研究奠下基礎,讓行業持份者更好了解其吸引力,以及於現有支付服務生態系統中的定位。

滙豐續指,是次測試利用了科大在金融科技方面的研究,以展示假設性的數碼港元的潛在優勢,詳情將於今年第四季公布。

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