Dollar to Digital: Understanding the Risks of Retail CBDCs

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dc.contributor.advisorMiller, Jeff
dc.creatorMcCann, Michael
dc.date.accessioned2023-12-12T14:26:14Z
dc.date.available2023-12-12T14:26:14Z
dc.date.issued2023-11-21
dc.description.abstractWith the emergence of centralized digital currencies, commonly known as cryptocurrencies, in the mid-2010s, governments across the globe began researching and discussing developing and implementing central bank digital currencies (CBDCs). This paper delves into the implementation of various CBDC models and the potential ramifications and transformations they bring to the financial landscape. Using a holistic lens, incorporating unbanked peoples, environmental impacts, privacy, and commercial and central bank implications, I explore the opportunities and challenges created through CBDCs. I take into account a plethora of major entities and their respective positions to broaden our financial perspective and gain better monetary agency.en_US
dc.identifier.urihttp://hdl.handle.net/11558/7714
dc.language.isoen_USen_US
dc.subjectCentralized Digital Bank Currency (CBDC)en_US
dc.subjectCurrency, digitalen_US
dc.subjectCurrency innovationen_US
dc.subjectFinancial governanceen_US
dc.titleDollar to Digital: Understanding the Risks of Retail CBDCsen_US
dc.typeWorking Paperen_US

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Composition 211: Sophomore Research Conference