НЕИЗБЕЖНОСТТА НА ИЗКУСТВЕНИЯ ИНТЕЛЕКТ ПРИ СЪБИРАНЕТО НА ЧАСТНИ ДЪЛГОВЕ В ЕКОСИСТЕМАТА НА ДИГИТАЛНОТО ЕВРО
THE INEVITABILITY OF ARTIFICIAL INTELLIGENCE IN PRIVATE DEBT COLLECTION WITHIN THE DIGITAL EURO ECOSYSTEM

Summary/Abstract: The advent of the Digital Euro, a proposed central bank digital currency (CBDC) issued by the European Central Bank (ECB), represents a transformative shift in the European Union's monetary landscape. This article explores the architectural, legal, and operational intricacies of the Digital Euro and argues that the integration of artificial intelligence (AI) in private debt collection processes is not merely advantageous but inevitable. Drawing on ECB proposals, EU regulations, and global CBDC trends, the analysis delineates the benefits of the Digital Euro, such as enhanced payment efficiency and financial inclusion, while highlighting challenges in debt enforcement amid jurisdictional fragmentation. Through a structured examination of pre- and post-Digital Euro debt collection mechanisms, the article posits that AI's capabilities in automation, privacy- preserving computation, and predictive analytics are essential to navigate the complexities of a digitized monetary system. Ultimately, this inevitability stems from the need for speed, predictability, and compliance in a multi-jurisdictional ecosystem, fostering economic growth while adhering to stringent EU data protection and AI governance frameworks.

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