Aktivitäten
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[Own views] How does #InformalLabor affect #FinancialInclusion from a #dynamic perspective? In this new Bank for International Settlements – BIS…
[Own views] How does #InformalLabor affect #FinancialInclusion from a #dynamic perspective? In this new Bank for International Settlements – BIS…
Beliebt bei Gabriel R. Bizama
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My colleague Juan M. and I reflect on the rationale behind the digital euro holding limits (and holding limits for CBDCs more in general). My sense…
My colleague Juan M. and I reflect on the rationale behind the digital euro holding limits (and holding limits for CBDCs more in general). My sense…
Beliebt bei Gabriel R. Bizama
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Une nouvelle aventure commence pour moi avec les équipes de Societe Generale - FORGE au poste de Secrétaire Générale ! Le 1er janvier prochain cela…
Une nouvelle aventure commence pour moi avec les équipes de Societe Generale - FORGE au poste de Secrétaire Générale ! Le 1er janvier prochain cela…
Beliebt bei Gabriel R. Bizama
Berufserfahrung und Ausbildung
Veröffentlichungen
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A Non-Custodial Wallet for CBDC: Design Challenges and Opportunities
Ryan Bowler, Geoffrey Goodell, Joe Revans, Gabriel Bizama and Chris Speed
Abstract
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 technical and social challenges. This paper presents the design and prototype of a non-custodial wallet, a device that enables users to store and spend CBDC in various contexts. To address the challenges of designing a CBDC system, we conducted a…Abstract
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 technical and social challenges. This paper presents the design and prototype of a non-custodial wallet, a device that enables users to store and spend CBDC in various contexts. To address the challenges of designing a CBDC system, we conducted a series of workshops with internal and external stakeholders, using methods such as storytelling, metaphors, and provotypes to communicate CBDC concepts, elicit user feedback and critique, and incorporate normative values into the technical design. We derived basic guidelines for designing CBDC systems that balance technical and social aspects, and reflect user needs and values. Our paper contributes to the CBDC discourse by demonstrating a practical example of how CBDC could be used in everyday life and by highlighting the importance of a user-centred approach. -
A Framework for Digital Currencies for Financial Inclusion in Latin America and the Caribbean (Working Paper)
Gabriel Bizama, Alexander Wu, Max Mitre and Bernardo Panigua
Abstract
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 and the Caribbean. It also provides
insights from central banks in the region on key aspects regarding a possible implementation of
central bank digital currencies. Findings show that although digital currencies development is at
an…Abstract
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 and the Caribbean. It also provides
insights from central banks in the region on key aspects regarding a possible implementation of
central bank digital currencies. Findings show that although digital currencies development is at
an early stage, a well-designed system could reduce the cost of domestic and cross-border
payments, improve the settlement of transactions to achieve real-time payments, expand the
accessibility of central bank money, incorporate programmable payments and achieve system
performance demands.
Projekte
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Advisor at DCM - Digital Currency Management
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DCM provides payments clearing and settlement services using a decentralized database.
Auszeichnungen/Preise
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Scholarship - LL.M. Scholar
Boston University School of Law
Sprachen
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Spanish
Muttersprache oder zweisprachig
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English
Muttersprache oder zweisprachig
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French
Gute Kenntnisse
Weitere Aktivitäten von Gabriel R. Bizama
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Delighted to announce my new role as Director for United Nations Affairs and International Organisations at Microsoft Switzerland, based in Geneva.…
Delighted to announce my new role as Director for United Nations Affairs and International Organisations at Microsoft Switzerland, based in Geneva.…
Beliebt bei Gabriel R. Bizama
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Many thanks to Elevandi for giving us the opportunity to join #PointZero Forum in Zurich this week. Sopnendu Mohanty / 漠汉帝 / 模範帝 / सोपनेंदु /…
Many thanks to Elevandi for giving us the opportunity to join #PointZero Forum in Zurich this week. Sopnendu Mohanty / 漠汉帝 / 模範帝 / सोपनेंदु /…
Beliebt bei Gabriel R. Bizama
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📢 If you're at the Point Zero Forum today, join us on the Insight Stage from 1:25 PM to 2:00 PM. Together with Carmen Hett, Candace Kelly, Frederik…
📢 If you're at the Point Zero Forum today, join us on the Insight Stage from 1:25 PM to 2:00 PM. Together with Carmen Hett, Candace Kelly, Frederik…
Beliebt bei Gabriel R. Bizama
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🚀 DCM is excited to participate in the Annual Gathering of the World’s Financial Regulators, Policymakers, Industry Leaders, and Innovators! Join…
🚀 DCM is excited to participate in the Annual Gathering of the World’s Financial Regulators, Policymakers, Industry Leaders, and Innovators! Join…
Beliebt bei Gabriel R. Bizama
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This World Refugee Day, we honor refugees, returnees, internally displaced, and stateless people for their strength and resilience. It is also time…
This World Refugee Day, we honor refugees, returnees, internally displaced, and stateless people for their strength and resilience. It is also time…
Beliebt bei Gabriel R. Bizama
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94% of surveyed central banks are now exploring a #CentralBankDigitalCurrency (#CBDC). That is the finding of the latest annual survey of 86…
94% of surveyed central banks are now exploring a #CentralBankDigitalCurrency (#CBDC). That is the finding of the latest annual survey of 86…
Beliebt bei Gabriel R. Bizama
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Second focus group in Ikeja (Lagos) with merchants. As in Kubwa (Abuja), participants highlighted a preference of cash because 'cash is mine and…
Second focus group in Ikeja (Lagos) with merchants. As in Kubwa (Abuja), participants highlighted a preference of cash because 'cash is mine and…
Geteilt von Gabriel R. Bizama
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Pour celles et ceux passionné(e)s par les questions ayant trait à la lutte contre le blanchiment d'argent, le financement du terrorisme et de la…
Pour celles et ceux passionné(e)s par les questions ayant trait à la lutte contre le blanchiment d'argent, le financement du terrorisme et de la…
Beliebt bei Gabriel R. Bizama
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This past Sunday was a very special day, as I celebrated Mother’s Day as a mother (and not only a daughter) for the first time. I am certainly…
This past Sunday was a very special day, as I celebrated Mother’s Day as a mother (and not only a daughter) for the first time. I am certainly…
Beliebt bei Gabriel R. Bizama
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#OpportunityAlert! We are hiring a Policy Specialist in Competition & Digital Financial Services. Come! Drive Global Financial Inclusion with…
#OpportunityAlert! We are hiring a Policy Specialist in Competition & Digital Financial Services. Come! Drive Global Financial Inclusion with…
Beliebt bei Gabriel R. Bizama
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Check out three new Global Findex Notes for insights on how technology is driving inclusive access to financial services--and how digital financial…
Check out three new Global Findex Notes for insights on how technology is driving inclusive access to financial services--and how digital financial…
Beliebt bei Gabriel R. Bizama
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As part of the #digitalpound design phase, the Bank of England is conducting experiments and proofs of concept (PoCs) in collaboration with private…
As part of the #digitalpound design phase, the Bank of England is conducting experiments and proofs of concept (PoCs) in collaboration with private…
Beliebt bei Gabriel R. Bizama
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🚀 “A existência do Pix representa um depósito de “bem-estar” de US$ 380 por trimestre, o que significa um aumento de 15% no Produto Interno Bruto…
🚀 “A existência do Pix representa um depósito de “bem-estar” de US$ 380 por trimestre, o que significa um aumento de 15% no Produto Interno Bruto…
Beliebt bei Gabriel R. Bizama