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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

John Winchcombe

22 Sept. 2024

2 min read

Tech Trends and their Relevance to Cash and Payments

McKinsey’s has published a list of the top 15 tech trends to follow. Chris Skinner, an independent commentator on the financial markets and an author, highlighted this recently in his blog, TheFinanser.com.

John Winchcombe

22 Sept. 2024

3 min read

Two Seminars Drive Discussion and Debate on the Future of Cash and Payments

The Cash Cycle Seminars (ICCOS) are annual events from Currency Research (CR) that bring global knowledge to regional markets in the Americas, Asia, and EMEA.

Events

Jens Eberhardt

22 Aug. 2024

6 min read

Optimising the Cash Cycle: Standards in the Supply Chain

At the recent Cash Sustainability Forum in Frankfurt, Cash InfraPro presented on the challenges and opportunities of making the cash supply chain work well.

Cash Management

John Winchcombe

22 Aug. 2024

2 min read

Colombia Builds Bricks of Digital Payment Infrastructure

The World Economic Forum has recently published an article describing Colombia’s work to create Digital Public Infrastructure (DPI), a key element of which is interoperable digital payments.

Digital Payments

John Winchcombe

20 Aug. 2024

2 min read

Thinking About the Future

August is one of those months where much of the world slows down, particularly in the northern hemisphere, creating an opportunity for a more reflective piece. As a result, this edition spends some time looking to the future.

Editorial

John Winchcombe

20 Aug. 2024

5 min read

Meeting the Challenge Facing Retail Money

The Bank of Canada has issued a staff discussion paper considering the role of retail public money at a time when new technology and new participants, some non-financial firms, are entering the process of money creation.

Cash Usage CBDC Free Free

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

Latest News

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?

Tech Trends and their Relevance to Cash and Payments

Two Seminars Drive Discussion and Debate on the Future of Cash and Payments

Optimising the Cash Cycle: Standards in the Supply Chain

Colombia Builds Bricks of Digital Payment Infrastructure

Thinking About the Future

Meeting the Challenge Facing Retail Money

The Case for Driving Digital Economies in Asia

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