Sebastian Hernandez - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-28T14:24:25+00:00Redefining Financial Inclusion for a Digital Age: Implications for a Central Bank Digital Currency
https://www.bankofcanada.ca/2023/10/staff-discussion-paper-2023-22/
We explore quantitative and qualitative information about Canadians who face barriers to making digital payments. We also consider the implications of ongoing digitalization for modern financial inclusion and a potential central bank digital currency.2023-10-04T14:28:10+00:00enRedefining Financial Inclusion for a Digital Age: Implications for a Central Bank Digital Currency2023-10-04AccessibilityBank notesCentral bank researchDigital currencies and fintechDigitalizationFinancial servicesStaff Discussion Paper 2023-22https://www.bankofcanada.ca/wp-content/uploads/2023/10/sdp2023-22.pdfStaff Discussion Paper 2023-22Alexandra Sutton-LalaniSebastian HernandezJohn MiedemaJiamin DaiBadr OmraneOctober 2023AA1A14EE4E42E5E50II3I31OO3O33O5O51Unmet Payment Needs and a Central Bank Digital Currency
https://www.bankofcanada.ca/2023/08/staff-discussion-paper-2023-15/
We discuss the payment habits of Canadians both in the current payment environment and in a hypothetical cashless environment.2023-08-10T15:59:03+00:00enUnmet Payment Needs and a Central Bank Digital Currency2023-08-10Bank notesCentral bank researchDigital currencies and fintechFinancial servicesStaff Discussion Paper 2023-15https://www.bankofcanada.ca/wp-content/uploads/2023/08/sdp2023-15.pdfStaff Discussion Paper 2023-15Christopher HenryWalter EngertAlexandra Sutton-LalaniSebastian HernandezDarcey McVanelKim HuynhAugust 2023CC1C12C9EE4OO5O54A central bank digital currency for offline payments
https://www.bankofcanada.ca/2023/02/staff-analytical-note-2023-2/
Offline functionality is a key consideration for a potential CBDC. We describe the different types of offline functionality based on their duration outside of network connection—either intermittent (for short periods) or extended (for longer periods). We discuss the advantages and drawbacks of each and consider implications for end-user devices, system resilience and universal accessibility.2023-02-24T10:51:26+00:00enA central bank digital currency for offline payments2023-02-24