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Offline settlements with a digital pound: Lessons from the BoE’s report

The Payments Association

It highlights major trade-offs in security, privacy, and policy that must be addressed before offline CBDC payments can scale. If implemented, offline CBDC capability could introduce new consumer behaviours, shift merchant requirements, and alter the economics of digital payment acceptance. Why is it important? What’s next?

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Rethinking CBDCs: Addressing design flaws and privacy concerns

The Payments Association

The flaws in prevailing central bank digital currency (CBDC) designs and suggestions for improving them. The designs broadly share a set of characteristics that, by and large, reflect a common set of mistaken assumptions that reveal important flaws in the prevailing CBDC proposals. What is this article about? Why is it important?

Privacy 88
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What Would it Take to Get Users Onside With CBDCs for Everyday Use?

The Fintech Times

Andrew Carrier , member of the executive committee at Quant “Privacy remains one of the most important discussion points in the CBDC debate, with the likes of the European Central Bank confirming that it is working on state-of-the-art security measures to ensure privacy protection.

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ESG-Linked Payments in Transaction Banking

Finextra

Real-time tools measure a transaction’s carbon footprint so payers can offset emissions or earn “green points” at checkout. ESG Aware CBDCs: Central banks may introduce digital currencies with embedded green rules, for e.g., CBDC holdings that automatically earn rebates when funding renewable projects or transition bonds.

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G+D Filia® Unplugged Brings Offline Capability to Digital Payments

Fintech Finance

The Bank for International Settlements (BIS) defines offline payments as the transfer of a digital money token between devices that takes place without the payer and payee requiring a networked connection to any ledger system or backend system to complete the payment. G+D Filia® Unplugged makes digital offline transactions a reality.

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50 Fintech Buzzwords Explained

M2P Fintech

Central Bank Digital Currency (CBDC) A CBDC represents a nation’s currency in digital form, administered directly by the central bank. Unlike physical cash or bank deposits, CBDCs are purely electronic. As of December 2023, an impressive 130 countries are actively exploring CBDC initiatives.

FinTech 59