The Bank of England is consulting on the design of digital pound but they are asking the wrong question: they should be asking whether the digital pound is the best answer to the challenges that motivate them; – it is not. Executive summary The Bank of England...
They go together. Central-Bank Digital currencies (CBDC) look to be an inevitability. Given that, can we at least use the UK government’s new digital identity trust framework to ensure some level of privacy. Premise one – CBDCs are inevitable The Bank for...
The evolution of InterBank Markets Banks, like all businesses, exist to make money. Originally, they used to earn this money by using the interest margin between the taking in of deposits, and the lending out of cash. By taking deposits from the general public, in the...
ICB Ring Fencing will make the UK’s ‘Big 5’ less competitive in International and Private Banking in particular and possibly all banking Introduction It is about 18 months since HBW wrote about the Independent Commission on Banking (ICB) recommendations on Ring...
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Imagine not being able to make or receive payments off your account for three weeks (no benefits payment in or bill payments out). Imagine being a small business and not being able to lodge cash or cheques from your week’s takings. These were some of the problems that...
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