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SUERF Policy Notes and SUERF Policy Briefs

SUERF Policy Notes & Briefs offer accessible and concise, high-quality, authoritative and informed analysis on topical issues related to European money and finance. They make research by SUERF Member institutions and academic researchers available to the SUERF network and beyond. SUERF Policy Notes & Briefs are published weekly on the SUERF webpage. The views expressed are those of the author(s) and not necessarily those of the institution(s) the author(s) is/are affiliated with.

To submit your findings to the SUERF Policy Note and Brief series please contact suerf@oenb.at.

All SUERF Policy Notes & Briefs  are available in PDF format.

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Date publishedSUERFIssueTitleAuthor(s)
Nov 2022Policy BriefNo 460Demystifying wholesale central bank digital currencyFabio Panetta
Oct 2022Policy BriefNo 453Under-researched areas of CBDCShalva Mkhatrishvili, Wim Boonstra
Oct 2022Policy BriefNo 451Towards the holy grail of cross-border payments; the interlinking solutionUlrich Bindseil, George Pantelopoulos
Oct 2022Policy BriefNo 439The potential of central bank digital currencies for cross-border paymentsAnneke Kosse, Ilaria Mattei
Sep 2022Policy BriefNo 426Privacy and Central Bank Digital Currency in the Digital EconomyToni Ahnert, Peter Hoffmann, Cyril Monnet
Sep 2022Policy BriefNo 408What can CBDC designers learn from asking potential users? Results from a survey of Austrian residentsSvetlana Abramova, Rainer Böhme, Helmut Elsinger, Helmut Stix, Martin Summer
Aug 2022Policy NoteNo 285From SEPA to the digital euro: payments past, present and futureJohannes Asel, Simone Mingione, Petia Niederlaender, Georg Nitsche
May 2022Policy BriefNo 333The effect of introducing a Loan-to-Value limit on homeownershipCindy Biesenbeek, Mauro Mastrogiacomo, Rob Alessie, Jakob de Haan
May 2022Policy NoteNo 277What business model for the Digital Euro? Lessons from Brazil and SwitzerlandPeter Bofinger, Thomas Haas
May 2022Policy BriefNo 329Digital payment behaviour differs significantly across countriesJakob Mølgaard Heisel, Marcus Clausen Brock
Apr 2022Policy NoteNo 275Balancing public and private interests: Crypto, stablecoin and central bank digital currencyWilko Bolt, Vera Lubbersen, Peter Wierts
Apr 2022Policy BriefNo 316Robert Triffin and the search for Asian Monetary UnionIvo Maes, Ilaria Pasotti
Feb 2022Policy BriefNo 270Population ageing and the digital divideSebastian Doerr, Jon Frost, Leonardo Gambacorta, Han Qiu
Jan 2022Policy NoteNo 262The encrypted threat: Bitcoin’s social cost and regulatory responsesUlrich Bindseil, Patrick Papsdorf, Jürgen Schaaf
Nov 2021Policy BriefNo 230Temporary panic or fundamental change in payment habits in Europe? Lesson from COVID-19 pandemic shift towards cashless paymentsMichal Polasik, Radoslaw Kotkowski
Aug 2021Policy BriefNo 166Record global FX reserves after COVID shockMichael S Hanson
Aug 2021Policy BriefNo 146Digital payments and European sovereigntyBurkhard Balz
Aug 2021Policy NoteNo 250Roads for the future: Central Bank Digital Currency (CBDC) and Innovative PaymentsFrançois Villeroy de Galhau
Jul 2021Policy NoteNo 248The Future of BitcoinWim Boonstra
May 2021Policy NoteNo 241Digital Disruption: The Inevitable Rise of CBDCChetan Ahya, Derrick Kam, Julian Richers
May 2021Policy BriefNo 95A digital euro to meet the expectations of EuropeansFabio Panetta
May 2021Policy BriefNo 85Navigating the Digital Transition, Maintaining a Stable Payment SystemDenis Beau
Mar 2021Policy NoteNo 228CBDC: Where is the unique selling proposition?Peter Bofinger,Thomas Haas
Feb 2021Policy BriefNo 50The rise of digital watchersTill Ebner, Thomas Nellen, Jörn Tenhofen
Jan 2021Policy NoteNo 217The post-COVID-19 recovery: what challenges and roadmap for the banking industry?Jordi Gual
Sep 2020Policy NoteNo 193Inclusive payments for the post-pandemic worldRaphael Auer, Jon Frost, Thomas Lammer, Tara Rice, Amber Wadsworth
Jul 2020Policy NoteNo 183Retail Central Bank Digital Currencies: means of payment vs store of valueSantiago Fernández de Lis, Pablo Urbiola
Jul 2020Policy NoteNo 182Europe’s answer to Libra – potential and prerequisites of a programmable euroAndreas Krautscheid, Tobias Tenner, Siegfried Utzig
Jul 2020Policy BriefNo 19Banking between two crisesKarel Lannoo
Jun 2020Policy NoteNo 180Which factors drive consumers to adopt crypto-assets? Results from an Austrian surveyHelmut Stix
Jun 2020Policy BriefNo 14Do contactless cards really change the way we pay?Martin Brown, Nicole Hentschel, Hannes Mettler, Helmut Stix
May 2020Policy NoteNo 162How large is the coronavirus macro shock? Putting the near-term record-breaking shock in the long-term contextElga Bartsch, Jean Boivin, Philipp Hildebrand
Apr 2020Policy NoteNo 158Overview of Central Bank Digital Currency - State of PlayJohannes Duong
Nov 2019Policy NoteNo 110Towards a European Governance Framework for CryptoassetsJason Grant Allen, Rosa María Lastra
Oct 2019Policy NoteNo 108Libra – a view from EuropeHeike Mai
Sep 2019Policy NoteNo 95Controlling CBDC through tiered remunerationUlrich Bindseil
Aug 2018Policy NoteNo 4021st century cash: Central banking, technological innovation and digital currenciesFabio Panetta
Jan 2018Policy NoteNo 23The occasional importance of the current account in an era of a global savings glutJesper Berg, Steffen Lind
Oct 2017Policy NoteNo 19Is cash back? Assessing the recent increase in cash demandClemens Jobst, Helmut Stix
Jul 2017Policy NoteNo 14Banks or platforms: The digital futurePatricia Jackson
Jun 2017Policy NoteNo 13The political economy of central banking in the digital ageSir Paul Tucker
Apr 2016Policy NoteNo 5Some seeming paradoxes or interesting points of Russia’s economy and banking sectorStephan Barisitz
Dec 2015Policy NoteNo 3Cash without future? Future without cash? A wider viewChristian Beer, Urs W. Birchler, Ernest Gnan

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