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9781788216326

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This book deals with an important and topical matter: central bank digital currencies. It provides sophisticated yet understandable insights into the world of cryptocurrencies, which have profound implications not only for the stability of the global monetary and financial systems, but also for the well-being of ordinary citizens. -- Lucia Quaglia, University of Bologna As the debate on Central Bank Digital Currency (CBDC) intensifies, we need an informed society-wide debate about the potential impact on fractional reserve banking, privacy, and taxation, within a deeper discussion of the role of credit in a modern economy. I welcome a book that helps citizens enter that debate by providing a comprehensive overview of CBDCs, their benefits and risks, and their potential impact on the global financial system, while also being accessible and practical. -- Professor Michael Mainelli, Chairman, Z/Yen Group and Sheriff of the City of London, 2019-21

This book deals with an important and topical matter: central bank digital currencies. It provides sophisticated yet understandable insights into the world of cryptocurrencies, which have profound implications not only for the stability of the global monetary and financial systems, but also for the well-being of ordinary citizens. -- Lucia Quaglia, University of Bologna

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Michael Lloyd is a senior research fellow at the international affairs think tank, the Global Policy Institute, and a former visiting fellow at Newcastle University. His books include British Business Banking (Agenda 2021).

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