J. Kiff, Jihad Alwazir, Sonja Davidovic, Aquiles Farias, Ashraf Khan, Tanai Khiaonarong, Majid Malaika, Hunter Monroe, Nobuyasu Sugimoto, Hervé Tourpe, Peter Zhou
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A Survey of Research on Retail Central Bank Digital Currency
This paper examines key considerations around central bank digital currency (CBDC) for
use by the general public, based on a comprehensive review of recent research, central
bank experiments, and ongoing discussions among stakeholders. It looks at the reasons
why central banks are exploring retail CBDC issuance, policy and design considerations;
legal, governance and regulatory perspectives; plus cybersecurity and other risk
considerations. This paper makes a contribution to the CBDC literature by suggesting a
structured framework to organize discussions on whether or not to issue CBDC, with an
operational focus and a project management perspective.
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