Pinar Ozcan is Professor of Entrepreneurship and Innovation at Saïd Business School, Oxford University. She is also the academic director of the Oxford Future of Finance and Technology (Fintech) Initiative at Oxford. Pinar specializes in strategy, entrepreneurship, and technology markets. Her current research includes fintech and CBDC ecosystems, open banking, digital disruption, and the rise of big tech platforms.

This presentation will summarize the research findings at Oxford University regarding the pathways for CBDC ecosystem formation in different countries

Panel discussion : Introducing a rCBDC – the Challenges

Retail CBDC are aimed at individual consumers and businesses, offering a digital form of central bank money for everyday transactions.

The discussion explores various challenges such as user adoption, technological infrastructure, ensuring user privacy and security, managing financial stability risks, and addressing regulatory and legal considerations. Panelists also examine the implications for financial intermediaries, the potential impact on monetary policy transmission, and the need for collaboration between central banks, regulators, and the private sector. Overall, the panel underscores the importance of careful planning, stakeholder engagement, and robust risk management frameworks in successfully introducing a retail CBDC amidst a rapidly evolving digital financial landscape.