意大利央行一位高级官员周五表示，随着金融体系日益数字化，银行不能因为不知道哪种技术将最终胜出就推迟投资。
意大利央行副行长基娅拉·斯科蒂在一篇演讲稿中表示，等待短期内或许能帮贷款机构省钱，但“当它延误学习或未来机会的创造时，也会带来成本”。
As the financial system turns increasingly digital, banks must resist the temptation to delay investments until they know which technology will prevail, a senior Bank of Italy official said on Friday.
斯科蒂表示，银行应把投资目标放在那些在不同情景下都能发挥作用、并有助于机构学习过程的项目上。她说，只有通过试验，银行才能理解如何最好地让新数字技术适应自身业务。
她说：“从小规模起步是合理的……灵活性和分阶段投入可以在谨慎与创新之间取得平衡，而不必过早押注于单一技术路径。”
斯科蒂表示，代币化——一种将银行存款转化为可在基于区块链的网络上转移的数字代币的技术——能普及到什么程度仍不清楚，但银行若要保住其作为私人货币发行者的角色，就必须采取行动。
Waiting could help lenders save money in the short term, but it "also has costs when it delays learning or the creation of future opportunities," Bank of Italy Deputy Governor Chiara Scotti said in the text of a speech Scotti said banks should target investments that lend themselves to usefulness across different scenarios and support institutions' learning process Only by experimenting can banks understand how best to adapt the new digital technologies to their business, she said "It makes sense to start on a limited scale... flexibility and staged commitment can reconcile caution with innovation, without requiring an early bet on a single technological path," she said Scotti said it was still unclear how widely tokenisation — a technology that turns bank deposits into digital tokens that can be moved on blockchain-based networks — would spread, but banks must act if they are to preserve their role as issuers of private money