A Bridge Across the Digital Divide: Cryptocurrency, Central Bank Digital Currencies, & Economic Inclusion
Stephanie Barnes examines cryptocurrency adoption in minority communities and the risks Central Bank Digital Currencies (CBDCs) pose without inclusive design.
Summary
Cryptocurrency Adoption Across Minority Demographics
Demographic research highlights that Black investors represent one of the fastest-growing sectors in retail cryptocurrency adoption, seeking alternatives to traditional banking.
Evaluating the Promise and Risks of Central Bank Digital Currencies (CBDCs)
Stephanie Barnes explores proposals for a US federal digital dollar, analyzing how government-backed digital currencies interact with existing mobile payment platforms.
Digital Surveillance and Account Freezes in Financial Applications
The author discusses the systemic vulnerabilities and account seizure risks observed in unregulated fintech payment apps (Cash App, PayPal, Venmo).
Ensuring Community Representation in Financial Architecture
The presentation emphasizes the critical necessity of including disenfranchised populations in the technical and policy design of future digital currency systems.
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