Definition ∞ Commercial Bank Money represents the digital liabilities of commercial banks to their customers. This form of money is held in deposit accounts and is used for most electronic transactions. It constitutes the largest portion of the money supply in modern economies, distinct from central bank money or physical currency.
Context ∞ The discussion surrounding Commercial Bank Money often relates to the emergence of central bank digital currencies (CBDCs) and stablecoins, which pose questions about its future role. Debates address how these new digital forms of money might alter payment systems, financial stability, and the overall structure of the banking sector. Regulatory authorities are examining potential implications for monetary policy and consumer protection.
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