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Filtered by Digital CN — 78 articles

John Winchcombe

25 Nov. 2025

2 min read

European Parliament Requires an Offline Digital Euro First

The European Parliament’s Committee on Economic and Monetary Affairs issued its draft report on the European Commission’s proposal for a regulation on the establishment of the digital euro on 3 November.

Digital CN

John Winchcombe

28 April 2025

4 min read

Establishing the Limits of Decentralised Money

In monetary exchange, holding money is evidence of past transactions of goods sold or services rendered. In effect, money can be seen as a record-keeping device. A monetary system needs a record of who has what and where it has moved.

Digital CN Studies, Reports

John Winchcombe

26 March 2025

4 min read

Stablecoins for Cross-Border Payments

A paper by PCMI assesses opportunities for stablecoins in cross-border payments1. Stablecoins are blockchain-based digital assets pegged to a fiat currency and around $210 billion worth are in circulation, the largest issuers being Tether (USDT) and Circle (USDC).

Coins Digital CN

John Winchcombe

26 March 2025

2 min read

Euro Stablecoin Settlement Accounts Allowed at the ECB

In January the European Central Bank made an announcement about stablecoins which led to some readers believing it had said stablecoin issuers would be able to back euro stablecoins with central bank reserves. A paper by the Bretton Woods Committee, while literally correct in what it said, also added to this misunderstanding. A clarification was issued.

Digital CN

John Winchcombe

28 Feb. 2025

4 min read

Bringing Secure Offline Functionality to Digital Payments

Lars Hupel, from Giesecke+Devrient (G+D), makes the case for the importance of offline functionality in payments in a new white paper titled ‘Secure Offline Digital Payments’.

Digital CN

John Winchcombe

23 Dec. 2024

2 min read

BOE Explores CBDC Privacy Solutions

The Bank of England (BOE) and the Massachusetts Institute of Technology Digital Currency Initiative (MIT DCI) have published a paper exploring privacy enhancing technologies (PETs) for a possible digital pound.

Digital CN

John Winchcombe

20 Dec. 2024

4 min read

A New Focus on Understanding Financial Inclusion

The Federal Reserve Bank of Kansas City has written a paper investigating who is underserved when it comes to digital payments, the starting point for working out how to include them in today’s digital economy.

Digital CN

John Winchcombe

20 Aug. 2024

2 min read

The Case for Driving Digital Economies in Asia

Mastercard’s President of Global Enterprise Growth, Raghu Malhotra, gave his views on Digital Payment Regulations in Asia recently to Asia Business Outlook. His starting point was to argue for harmonised regulations in order to increase cross-border transactions and financial inclusion. If there can be a seamless operation across four countries versus a single country, the economics will differ and benefit the end consumer and merchants.

Digital CN

John Winchcombe

22 July 2024

5 min read

The Digital Euro – Managing and Mitigating Disintermediation

The European Central Bank (ECB) has published a working paper looking at ensuring that a digital euro does not impact financial stability or the transmission of monetary policy.

Digital CN

John Winchcombe

30 June 2024

5 min read

Who Will Use a Digital Euro?

It is unclear whether the public and merchants will use a central bank digital currency (CBDC) to make a payment. The European Central Bank (ECB) has published a paper that explores this based on survey payment data and using a quantitative framework that estimates CBDC demand based on individuals’ preferences for the attributes of different payment options.

Digital CN

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John Winchcombe

30 June 2024

5 min read

Privacy and the Digital Euro

The ECB has published a blog ‘Making the digital euro truly private’, with privacy an important concern for CBDCs. A strong focus on privacy will never convince sceptics and the realities of know your customer and anti-terror funding legislation have to be accommodated.

Digital CN

John Winchcombe

18 April 2024

4 min read

Getting Digital Financial Inclusion Right

Digital-only financial inclusion (DoFI) can increase convenience for financially included people, and lead to cost savings for providers of financial services. On the back of this, today digital payments are promoted by governments and digital payment companies alike as a solution to financial inclusion for all. A recently published paper examines the dangers of DoFI.

Digital CN

John Winchcombe

26 March 2024

2 min read

Starting the Debate on a Digital Euro

The European Central Bank has started to make the case for a digital euro. The central bank's Programme Director Digital Euro recently noted that a digital euro, while complementing cash, would strengthen Europe’s strategic sovereignty by reducing dependence on non-European payment providers and offer another form of trusted and secure transactions for people in Europe.

Digital CN

John Winchcombe

20 Feb. 2024

5 min read

CBDC Round-Up

A technical article by Manuel Muñoz and Oscar Soons, unusually, considers the role of CBDCs as a store of value instrument for consumers.

Digital CN

John Winchcombe

25 Jan. 2024

5 min read

CBDC Round-Up

The ECB is looking to sign five agreements worth about €1.1 billion for a four year pilot of a Digital Euro starting early 2025.

CBDC Digital CN

John Winchcombe

20 Dec. 2023

5 min read

CBDC Round Up

Mastercard’s Asia-Pacific lead for blockchain and digital assets has spoken about CBDCs in the region. He argues that consumers are so comfortable with existing payment options that a CBDC is not justified.

CBDC Digital CN

John Winchcombe

28 Nov. 2023

5 min read

CBDC Round Up

A paper published by the Munich Personal RePEc Archive has carried out secondary research on Africa’s adoption of CBDCs.

CBDC Digital CN

John Winchcombe

2 Nov. 2023

3 min read

CBDC Round-Up

The Bank for International Settlements (BIS) has used decentralised finance (DeFi) technology concepts on a public blockchain to trade and settle hypothetical euro, Swiss franc and Singapore dollar wholesale CBDCs across borders between simulated financial institutions.

CBDC Digital CN

John Winchcombe

28 Sept. 2023

3 min read

Flawed Design Risks Digital Euro

The Centre for Economic Policy Research (CEPR) has published a paper questioning whether the design of the digital euro could already be undermining its chances of success.

CBDC Digital CN

John Winchcombe

25 Sept. 2023

5 min read

CBDC Round-Up

The Reserve Bank of Australia (RBA) has been researching CBDCs. Its latest work found legal, regulatory, technical and operation issues that suggest an early launch of a CBDC is unlikely.

CBDC Digital CN

Latest News

European Parliament Requires an Offline Digital Euro First

Establishing the Limits of Decentralised Money

Stablecoins for Cross-Border Payments

Euro Stablecoin Settlement Accounts Allowed at the ECB

Bringing Secure Offline Functionality to Digital Payments

BOE Explores CBDC Privacy Solutions

A New Focus on Understanding Financial Inclusion

The Case for Driving Digital Economies in Asia

The Digital Euro – Managing and Mitigating Disintermediation

Who Will Use a Digital Euro?

Privacy and the Digital Euro

Getting Digital Financial Inclusion Right

Starting the Debate on a Digital Euro

CBDC Round-Up

CBDC Round-Up

CBDC Round Up

CBDC Round Up

CBDC Round-Up

Flawed Design Risks Digital Euro

CBDC Round-Up

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