Assessing the Impact of Tokenized Assets and Digital Currencies on Liquidity and Capital Management in Commercial Banks Using DLT
Аннотация
With the support of empirical data analysis, the research study has demonstrated significant insights. This investigation used a novel integration of correlation analysis and multi-method modeling of the final performance indicators from commercial banks using distributed ledger technologies to design one with a tokenization-driven framework to enhance liquidity flow, capital adequacy ratios, and digital asset management of financial institutions that support the decentralized transaction environment. Based on the guiding question, “To what extent, is tokenized asset adoption compared to conventional financial instruments and fiat-based systems beneficial in terms of liquidity and capital structure?”, a conceptual model was created to simulate a systemic transformation in the banking sector, and operational architecture. An analytical framework based on the core hypothesis was developed using a correlation–SEM hybrid model enabling us to collect quantitative indicators across capital flows and liquidity cycles. Tokenization processes interfaced with stakeholders at different stages of capital allocation and liquidity circulation, which require higher transparency standards and use more programmable protocols than other instruments commonly used with account-based planning. The results show that the development of digital currency models with tokenized structures can be categorized into three phases in alignment with the maturity of the platform: experimental, transitional, and optimized. Multiple databases have been screened to read the related empirical findings, resulting in selected articles to be synthesized for the present research, all of which were peer-reviewed. The effects of different amounts of tokenization on liquidity ratios and capital buffers were obtained, in order to provide an evaluative and new benchmark for improving banking resilience under decentralized conditions.