Retail CBDC: Weighing up the Benefits and Risks

Cyrielle Chiron is the SVP, Product Strategy & Innovation at Peoples Group. She leads the development of new products and services including the Innovation Hub’s activities. Prior to Peoples Group, she was with Payments Canada as Chief Strategy Officer where she was responsible for leading the research and strategy teams. Cyrielle offers a wealth of payments, retail and commercial financial services knowledge, and has an extensive international career in research and consultancy in the financial industry. She is also a regular speaker at thought leadership events and was the host of the PayPod while working at Payments Canada. Prior to Payments Canada, she was Managing Director, North & Latin America for RFi Global and was responsible for all research programs, sales & operations across North and Latin America. Prior to RFi Global, she was with IAG as Senior Strategy Analyst and CoreData as Head of Research Asia Pacific.

She has two BBAs in international Business (Helia & Rouen Business School), and a Master’s Degree (Hons), MSc International Marketing and Communication Management (Ecole supérieure de Commerce de Toulouse).

Peoples Trust Company, part of Peoples Group, is a leading issuer of prepaid payment cards and an innovative merchant acquirer. They are an entrepreneurial organization that excels at customizing solutions to fit the needs of their clients. As a result, they have been recognized as a pioneer and innovator of prepaid cards in Canada, and as an early adopter of payment solutions. Peoples has partnered with many of Canada’s FinTechs, giving them the tools and guidance to help realize their success.

Johan 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 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 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.