Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)

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The Impact of Digital Currency on Traditional Banking Business Model

Authors
Haochen Ji1, *
1Massey school, Nanjing University of Finance and Economics, Nanjing, Jiangsu, China
*Corresponding author. Email: 2120232269@stu.nufe.edu.cn
Corresponding Author
Haochen Ji
Available Online 17 September 2025.
DOI
10.2991/978-94-6463-835-6_14How to use a DOI?
Keywords
digital currency; banking business model; new financial system
Abstract

As the digital economy thrives, the traditional landscape of banking business models faces unprecedented challenges. This article analyzes from both social and technological perspectives, aiming to delve into the background of the rise of digital currencies and their impact on the entire economic system. The article thoroughly examines how the rapid spread of digital currencies has influenced the swift development of the digital economy, affecting traditional core banking operations as well as the functions and status of banks. It also delves into how banks can effectively transform to adapt to new market environments and customer needs, along with the difficulties and challenges encountered during this transformation process. Finally, the article looks ahead to the future development pattern of digital currencies and the direction of bank development. In the context of the digital currency era, banks should actively embrace technological innovation and strengthen cooperation with fintech companies. At the same time, it emphasizes the crucial role of banks in ensuring financial safety and stability, and how they can maintain competitiveness and achieve long-term sustainable development in the wave of digital currencies.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
17 September 2025
ISBN
978-94-6463-835-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-835-6_14How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Haochen Ji
PY  - 2025
DA  - 2025/09/17
TI  - The Impact of Digital Currency on Traditional Banking Business Model
BT  - Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
PB  - Atlantis Press
SP  - 118
EP  - 125
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-835-6_14
DO  - 10.2991/978-94-6463-835-6_14
ID  - Ji2025
ER  -