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Central Bank Digital Currencies (CBDC) represent a possible next step in the technological evolution of banking and the financial intermediation sector, with advances in privacy, fraud protection, and efficiency鈥攂ut their roles and risks on the high-tech path forward are only now becoming clear.

Some of the world鈥檚 largest economies are considering issuing a Central Bank Digital Currency, a digital form of a country鈥檚 currency that could be used to make online and mobile payments, and many smaller countries have already adopted one. Issued by a central bank, CBDCs could provide features that other forms of payment can鈥檛, including superior privacy protections and anti-money laundering features.

Academics, policymakers, and private sector experts recently debated the future of CBDCs at the Desmarais Global Finance Lecture on the topic of 鈥淐entral Bank Digital Currencies and Alternative Payment Systems鈥� at the Desautels Faculty of Management. Speakers included head of the Toronto Centre of the Bank of International Settlements Innovation Hub Miguel D铆az and Stanford Professor Darrell Duffie.

鈥淲e wanted to bring together a variety of perspectives,鈥� says Katrin Tinn, a Desautels professor of Finance who specializes in digital currencies and co-organized the event with the director of the Desmarais Global Finance Research Centre and Desautels professor, David Schumacher.

鈥淢any central banks are considering issuing a CBDC, but they have not made their decisions yet,鈥� says Tinn. 鈥淲e wanted to have opinions from Canada and the United States represented, as well as international ones to bring in a global view of what a CBDC could be.鈥�

For research-based insights on the future of Central Bank Digital Currencies, read the .

Bringing Insight to the Surface

Founded in 2019, Delve is the official thought leadership publication of 缅北强奸鈥檚 Desautels Faculty of Management. Under the direction of Professor Saku Mantere, inaugural Editor-in-Chief, Delve features the latest in management thinking that stretches perspectives, sparks new ideas, and brings clarity to decision-makers at all levels and across sectors.