Το ψηφιακό νόμισμα υπό το πρίσμα των Κεντρικών Τραπεζών: μια ιστορική, θεσμική και οικονομική προσέγγιση

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Ψηφιακό νόμισμα ; Κεντρικές τράπεζεςAbstract
The rapid development of technology has significantly developed e-commerce, which has now been established as a first-line trading medium, commonly accepted by all. What is still not entirely acceptable are payments in the online shopping environment. Fraud rates are still high, as are transaction taxes, and tech communities are looking for a new, faster, more reliable, low-cost way to trade. Thus began the creation of digital currencies that brought ups and downs in electronic transactions. Thanks to these currencies, anyone can make any transaction, without having to move, in a secure and anonymous environment and, most importantly, without the presence of third parties, since no one else intervenes in the transaction.
Unlike the use of real money by financial institutions, which negatively affects the cost of a transaction, the security of the use of cryptocurrencies is due to an advanced electronic trading system called blockchain, which prevents any malicious action that tries to steal. This also reduces mistrust between traders and does not require so many accreditations in order to proceed with a transaction. However, the concept of digital currency has not yet been established as money as we know it, but it is considered more as an investment, as over time its value changes a lot.
In this paper we will analyze the digital currency, presenting the advantages and during its use, the way of its application in the online markets and the methods of its acquisition. Then we will refer to the legal and economic approach of digital currency. We will also talk about the most famous digital currency, bitcoin and how it managed in a short time to boost its popularity, but also the big and sudden changes in its value. Understanding its importance and value will contribute to the brief and at the same time comprehensive reference to the meaning and history of money, from the conception of its idea to its modernization today, as well as its important role in trade and its evolution through these years. Finally, we will summarize all the above, by presenting the benefits and consequences of the emergence of this alternative payment method and which the latest developments are, that provide important information about the new trend of electronic transactions and digital currency.