Browsing: Analysis
In-depth reports, comparisons, and trend analysis on digital currency and fintech shifts.
Stablecoins now exceed USD 300 billion in value and CBDC projects are advancing worldwide, raising questions about how the two digital-money systems will coexist.
A new Romanian stress-testing framework suggests that a carefully capped retail CBDC, including a future digital euro, need not trigger bank runs or credit crunches in dual-currency economies.
ECB Digital Euro User Research Highlights Offline Payments, Lower Fees and Trust as Adoption Drivers
Focus groups across 20 euro area countries suggest strong potential demand for a digital euro as secure, low cost digital cash, provided design choices match everyday payment realities.
Between 2024 and 2025, Europe’s banking industry intensified its lobbying around the digital euro, seeking safeguards to prevent disruption to the financial system.
As the ECB explored technical models for the digital euro, it faced a delicate challenge: fostering innovation while protecting financial stability and user privacy.