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Francisco Mandiola

14 Oct. 2024

13 min read

Are Central Bank Policies Aligned with The Need for Cash?

As we are aware, the use of cash is most certainly not being promoted with the same vigour that the use of electronic or mobile payments has been in recent media and advertising.

Central Banks

John Winchcombe

14 Oct. 2024

2 min read

Hint of Cash Change in Switzerland

The Swiss National Bank (SNB) carried out its latest survey on the acceptance of cash at selected companies in Spring 2024 and has now published its findings. The good news is that cash continues to be strongly supported. The less good news is that there is early evidence of change.

Country Profile

John Winchcombe

14 Oct. 2024

4 min read

Reflections on the Rise and Fall of CBDC

At the recent CBDC Conference in Istanbul a number of key themes emerged. That the given focus of this event, as its name indicates, is predominantly on Central Bank Digital Currency (CBDC), these themes were in sharper contrast to the subsequent Digital Currency Conference in London, which had a broader remit.

CBDC Free Free

John Winchcombe

14 Oct. 2024

3 min read

The Constant Need to Innovate

Two articles about innovation. One about types of company that innovate. The second asking us to think radically about how to leverage coming technology.

Studies, Reports

John Winchcombe

14 Oct. 2024

2 min read

An ABC (and D) of Mobile Banking

Mobile banking allows people to manage financial services via their smartphones. No wonder it is the fastest growing banking channel, with big implications for traditional options such as bank branches.

Digital Payments

John Winchcombe

14 Oct. 2024

9 min read

CBDC News

The Bank of Canada is stepping back from a implementation of a CBDC.

CBDC

John Winchcombe

14 Oct. 2024

5 min read

News in Brief

Thailand is planning to give citizens with a certain level of income and savings a financial boost by transferring funds to them through a digital wallet.

News

John Winchcombe

14 Oct. 2024

5 min read

Payment News

The European Payments Initiative (EPI) is a Europe-wide bank-backed venture set up to build a European rival to Mastercard and Visa.

News

John Winchcombe

14 Oct. 2024

3 min read

Vital Importance of Maintaining the Cash ‘Habit’

The International Mint Industry Association (IMIA) has seven European mints as full members and seven associate members. It has recently issued a brief that argues for pro-active policies to safeguard cash payments to ensure European crisis resilience. Although some of the arguments are European specific, the broad thesis has wider relevance.

Cash Usage

John Winchcombe

22 Sept. 2024

5 min read

Payment News

An article about the challenges of public transport digital ticketing lays out the general problems of going digital.

News

John Winchcombe

22 Sept. 2024

3 min read

Bank of England – Progress on Net Zero and CBDC

The Bank of England’s 2023/24 report outlines significant activities related to banknotes, payments and digital currency. Banknote value and volume in circulation was flat but net seigniorage income was up 153%. The Bank continues to make progress on its net zero carbon goals.

Central Banks

John Winchcombe

22 Sept. 2024

1 min read

AI: a Practical Bootcamp

Currency Research has launched the AI Bootcamp, facilitated by The Centre for Alternative Finance at the University of Cambridge Judge Business School, which will explore AI tools and strategies for revolutionising supervisory innovation, with practical insights and a tailored roadmap for AI adoption.

John Winchcombe

22 Sept. 2024

4 min read

Modi Praises India’s Fintech Industry

The fifth edition of the Global Fintech Fest (GFF) 2024 was held 28-30 August in Mumbai. It focused on the ‘Blueprint for the Next Decade of Finance: Responsible AI, Inclusive, Resilient’. The GFF is organised by the Payments Council of India (PCI), the National Payments Corporation of India (NPCI), and the Fintech Convergence Council (FCC).

Events

John Winchcombe

22 Sept. 2024

5 min read

CBDC News

Those who oppose CBDC use a range of arguments. One is a general argument that fiat money allows governments to expand the money supply at will, removing the constraint on government to pursue ‘sound money’.

News

John Winchcombe

22 Sept. 2024

2 min read

Self-Sovereign Centralised ID – the Key to CBDCs?

A recent article in Forbes makes the case for Self-Sovereign Decentralised Identity to be used to address privacy issues with CBDCs.

CBDC

John Winchcombe

22 Sept. 2024

6 min read

Do Central Banks Have What It Takes to Run CBDCs?

The International Monetary Fund (IMF) has issued a paper considering the security of Central Bank Digital Currency (CBDC). While there are frequent papers covering CBDCs and design features affecting privacy, financial inclusion, and the impact on monetary policy, it is rare for security to be covered. The paper lays out why and how a CBDC is different from existing digital payments and reviews the risks they face.

CBDC

John Winchcombe

22 Sept. 2024

3 min read

IMF Mission Guides the Dominican Republic on a CBDC

In June and September 2023, the International Monetary Fund (IMF) provided support to the Banco Central de la República Dominicana (BCRD) to explore CBDC.

CBDC

John Winchcombe

22 Sept. 2024

5 min read

News in Brief

The UK’s Competition Appeals Tribunal has rejected an appeal by Visa and Mastercard against a class action that claimed that businesses that received payments by commercial cards paid fees much higher than they should have been, causing them significant losses.

News

John Winchcombe

22 Sept. 2024

3 min read

The Importance of Life Buoys

A recent blog by Sam Bobeov and Fintech Wrap on Payment : Unpacked asked who gets left behind in a cashless world.

Cash Usage

John Winchcombe

22 Sept. 2024

5 min read

Can Society Trust Central Banks?

The ‘Privacy Paradox’ is where people claim more concern with privacy than their actual behaviour indicates. This ‘say-do gap’ exists in many areas, including the need for cash to be maintained, but despite that, it means organisations are forced to respond.

Central Banks Free Free

Latest News

Are Central Bank Policies Aligned with The Need for Cash?

Hint of Cash Change in Switzerland

Reflections on the Rise and Fall of CBDC

The Constant Need to Innovate

An ABC (and D) of Mobile Banking

CBDC News

News in Brief

Payment News

Vital Importance of Maintaining the Cash ‘Habit’

Payment News

Bank of England – Progress on Net Zero and CBDC

AI: a Practical Bootcamp

Modi Praises India’s Fintech Industry

CBDC News

Self-Sovereign Centralised ID – the Key to CBDCs?

Do Central Banks Have What It Takes to Run CBDCs?

IMF Mission Guides the Dominican Republic on a CBDC

News in Brief

The Importance of Life Buoys

Can Society Trust Central Banks?

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