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This research aims to provide a framework to assess the contribution of digital currencies to promote financial inclusion, based on a diagnosis of the landscape of financial inclusion and domestic and cross-border payments in Latin America…

General Economics · Economics 2024-01-19 Gabriel Bizama , Alexander Wu , Bernardo Paniagua , Max Mitre

Central banks are actively exploring retail central bank digital currencies (CBDCs), with the Bank of England currently in the design phase for a potential UK retail CBDC, the digital pound. In a previous paper, we defined and explored the…

Computers and Society · Computer Science 2024-09-16 Lee Braine , Shreepad Shukla , Piyush Agrawal , Shrirang Khedekar , Aishwarya Nair

Defining abstract algorithmic structures like functions and variables using self-made tangibles can enhance the usability and affordability of the tangible programming experience by maintaining the input modality and physical interaction…

Human-Computer Interaction · Computer Science 2022-10-13 Alpay Sabuncuoglu , T. Metin Sezgin

The use of digital money has become increasingly popular, but it comes with certain drawbacks. For instance, it can be challenging to make payments during power outages or internet failures. Additionally, some groups may find it difficult…

Human-Computer Interaction · Computer Science 2023-05-02 Chenhang Zhou , Yu Chen , Roger Wattenhofer , Ye Wang

Blockchains are being positioned as the "technology of trust" that can be used to mediate transactions between non-trusting parties without the need for a central authority. They support transaction types that are native to the blockchain…

Cryptography and Security · Computer Science 2024-11-06 Nodirbek Korchiev , Akash Pateria , Vodelina Samatova , Sogolsadat Mansouri , Kemafor Anyanwu

In recent years, electronic retail payment mechanisms, especially e-commerce and card payments at the point of sale, have increasingly replaced cash in many developed countries. As a result, societies are losing a critical public retail…

Computers and Society · Computer Science 2021-05-28 Geoffrey Goodell , Hazem Danny Al-Nakib , Paolo Tasca

Central Bank Digital Currency (CBDC) is a novel form of money that could be issued and regulated by central banks, offering benefits such as programmability, security, and privacy. However, the design of a CBDC system presents numerous…

Computers and Society · Computer Science 2026-03-03 Ryan Bowler , Geoffrey Goodell , Joe Revans , Gabriel Bizama , Chris Speed

Classical monetary systems regularly subject the most vulnerable majority of the world's population to debilitating financial shocks, and have manifestly allowed uncontrolled global inequality over the long term. Given these basic failures,…

Computers and Society · Computer Science 2020-03-30 Bryan Ford

Tokenised money encompasses a broad range of digital monetary instruments issued on distributed ledger technology, including Central Bank Digital Currencys (CBDCs), deposit tokens, stablecoins, and decentralised protocol-based designs.…

General Economics · Economics 2026-01-14 Thomas Ankenbrand , Denis Bieri , Stefano Ferrazzini , Johannes Hoehener

The accelerating digitization of economic activity has made information a dominant driver of market expectations, coordination, and systemic risk. Yet contemporary monetary systems remain anchored in architectures designed for material…

Physics and Society · Physics 2025-12-25 Lalit Kumar Shukla

Smart contracts are programs that implement potentially sophisticated transactions on modern blockchain platforms. In the rapidly evolving blockchain environment, smart contract programming languages must allow users to write expressive…

Programming Languages · Computer Science 2020-07-24 Sam Blackshear , David L. Dill , Shaz Qadeer , Clark W. Barrett , John C. Mitchell , Oded Padon , Yoni Zohar

Understanding and managing monetary cost factors is crucial when developing cloud applications. However, the diverse range of factors influencing costs for computation, storage, and networking in cloud applications poses a challenge for…

Software Engineering · Computer Science 2023-09-12 Lukas Böhme , Tom Beckmann , Sebastian Baltes , Robert Hirschfeld

We examine blockchain technologies, especially smart contracts, as a platform for decentralized applications. By providing a basis for consensus, blockchain promises to upend business models that presuppose a central authority. However,…

Computers and Society · Computer Science 2018-01-10 Munindar P. Singh , Amit K. Chopra

Many programming frameworks have been introduced to support the development of differentially private software applications. In this chapter, we survey some of the conceptual ideas underlying these frameworks in a way that we hope will be…

Cryptography and Security · Computer Science 2024-03-19 Marco Gaboardi , Michael Hay , Salil Vadhan

The ability to express a program as a hierarchical composition of parts is an essential tool in managing the complexity of software and a key abstraction this provides is to separate the representation of data from the computation. Many…

Programming Languages · Computer Science 2012-10-04 James Hanlon , Simon J. Hollis , David May

S-money [Proc. R. Soc. A 475, 20190170 (2019)] schemes define virtual tokens designed for networks with relativistic or other trusted signalling constraints. The tokens allow near-instant verification and guarantee unforgeability without…

Quantum Physics · Physics 2020-02-13 Adrian Kent , Damián Pitalúa-García

A digital currency is money in a digital form. In this model, maintaining integrity of the supply is a core concern, therefore protections against double-spending are often at the heart of a secure digital money scheme. Quantum money…

Quantum Physics · Physics 2024-08-09 Anne Broadbent , Raza Ali Kazmi , Cyrus Minwalla

Central Bank Digital Currency (CBDC) is a new form of money, issued by a country's or region's central bank, that can be used for a variety of payment scenarios. Depending on its concrete implementation, there are many participants in a…

Cryptography and Security · Computer Science 2025-07-08 Makan Rafiee , Lars Hupel

Smart contracts are computer programs that are executed by a network of mutually distrusting agents, without the need of an external trusted authority. Smart contracts handle and transfer assets of considerable value (in the form of…

Programming Languages · Computer Science 2018-06-19 Krishnendu Chatterjee , Amir Kafshdar Goharshady , Yaron Velner

How to compute (super) hedging costs in rather general fi- nancial market models with transaction costs in discrete-time ? Despite the huge literature on this topic, most of results are characterizations of the super-hedging prices while it…

Probability · Mathematics 2024-05-13 Emmanuel Lepinette , Duc Thinh Vu