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Retail CBDC: Weighing up the Benefits and Risks
- Explore how retail CBDC will need to coexist with; and complement fiat currency, and how digital currencies will be classified – will this be e-money?
- Consider the use cases for retail CBDCs and weigh up if digital currencies are the best solution to improve the likes of financial inclusion, payment systems and cross border payments
- Delve into the technical and design questions when building CBDCs and discuss how this system will work
- Discuss the risks associated with retail CBDCs including regulation and legislation between geographies, consumer protection and trust, and financial stability
- Touch on how/if retail CBDCs can complement Open Banking initiatives to ensure current regulation doesn’t suffer from new innovation
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Ellie Duncan
Ellie Duncan
Head of Editorial & Broadcast Open Banking ExpoFormer Financial Times Group journalist Ellie Duncan has a decade of experience across financial services. While arguably best-known for her asset management work, she has also covered open banking, credit, private equity and entrepreneurship.
Cyrielle Chiron
Cyrielle Chiron
Chief Strategy Officer Payments CanadaCyrielle Chiron is Head of the Research and Strategic Foresight teams at Payments Canada, both of which inform strategic objectives and support the navigation of Canada’s industry-wide payments Modernization initiative. Cyrielle offers a wealth of payments, retail and commercial financial services knowledge and deep research experience. She has an extensive international career in research and consultancy in the financial industry, most recently with RFi Group as Managing Director, North & Latin America where she was also editor of Canadian Banker Magazine. She has two BBAs in international Business (Helia & Rouen Business School), and an Honours Master’s of Science Degree, MSc International Marketing & Communication Management (Ecole supérieure de Commerce de Toulouse).
Johan Schmalholz
Johan Schmalholz
Advisor Payment Infrastructure/Senior Economist Sveriges RiksbankJohan has an extensive background from the financial sector and has previously held positions within the field of business development, project management and financial infrastructure at Swedbank and the Swedish Bankers´ Association. He is currently acting as a payments advisor at the e-krona division of Sveriges Riksbank and have previously held positions at the financial stability and payment departments of the Riksbank where he have been responsible for the establishment and coordination of the Swedish retail payment council and the uptake of cyber resilience analysis from a financial stability perspective at the Riksbank.
Harish Natarajan
Harish Natarajan
Lead - Payment Systems Development Group The World BankHarish leads a global team working on payments and market infrastructures topics in the Finance, Competitiveness and Innovation Global Practice at the World Bank. His work spans Payments and market infrastructures, Financial Inclusion, Digital ID, Digital Economy and FinTech. Harish represents the World Bank in several international working groups on these topics. Harish was a lead contributor to the preparation of the IMF-World Bank Bali Fintech Agenda and is a co-chair of a CPMI-World Bank taskforce on Payment Aspects of Financial Inclusion. Harish is on the editorial board of the Journal of Digital Banking and is a guest editor at the Journal of Payments Strategy and Systems.
Prior to joining the World Bank, Harish worked in senior level positions at Visa in business development, operations, and risk management. Harish holds an under-graduate degree in Electrical and Electronics Engineering from Indian Institute of Technology -Madras, India and a Post Graduate Diploma, from Indian Institute of Management-Calcutta, India specialising in Finance and Systems.
Marion Laboure
Marion Laboure
Macro Strategist Deutsche BankMarion Laboure is covering payments, digital currencies and fintech at Deutsche Bank Thematic Research team. She also lectures finance at Harvard University. Prior to joining Harvard, she also taught at Yale University, Sciences Po Paris and University Paris Dauphine. Marion worked as an economist at the Luxembourg Central Bank, the European Commission and Barclays and was also a fellow researcher at the International Monetary Fund. She authored several books on capital markets and fintech and won several awards for her research including twice the first prize from the US Society of Actuaries. Marion holds a PhD in Economics from the Ecole Normale Superieure, and a Master’s degree in Economics from the London School of Economics, as well as a Bachelor’s degree in Mathematics and Finance from the University of Paris Dauphine. She speaks three languages and has lived and worked in five different countries.
