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BIS Working Papers
BIS Working Papers No 976 Central bank digital currencies: motives, economic implications and the research frontier by Raphael Auer, Jon Frost, Leonardo Gambacorta, Cyril Monnet, Tara Rice and Hyun Song Shin Monetary and Economic department November 2021 JEL classification: C72, C73, D4, E42, E58, G21, O32, L86. Keywords: money, digital currencies, central banks, central bank digital currencies, CBDC, stablecoins, cryptocurrencies, distributed ledgers, big tech, data privacy. BIS Working Papers are written by members of the Monetary and Economic department of the Bank for International Settlements, and from time to time by other economists, and are published by the Bank. The Papers are on subjects of topical interest and are technical in character. The views expressed in them are those of their authors and not necessarily the views of the BIS. This publication is available on the BIS website ( ).
BIS Working Papers are written by members of the Monetary and Economic Department of the Bank for International Se ttlements, and from time to time by other economists, and are published by the Bank. The papers are on subjects of topical interest and are technical in character. The views expressed in them are those of their
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