Articles by David Birch
CBDC is inevitable
Central bank digital currency should be thought of as a platform rather than a product, writes Dave Birch
FedNow – at last
The instant payment system might help fix the US’s rusty payment rails, but it also faces competition, says Dave Birch
Decentralised finance is here to stay
Whatever happens to cryptocurrencies, tokenisation is the future
Should a CBDC really be like cash?
Electronic and physical cash are fundamentally different and must be treated as such, writes Dave Birch
How to solve the payments privacy paradox
Anonymous CBDC has major drawbacks, but privacy in payments can still work, says Dave Birch
The six key drivers for digital currency
Dave Birch breaks down the forces that are pushing central banks towards CBDC
In search of a better definition of digital money
Dave Birch tries to cut through the noise on cryptocurrencies, blockchains and everything in between
Regulators should embrace digital ID
The lack of a single ID in financial services is causing unnecessary friction, argues Dave Birch