Publication:
Do central bank digital currencies (CBDC) protect the consumer or are they a mirage?

dc.contributor.authorSantaolalla Montoya, Cayetana
dc.contributor.departmentDerechoes_ES
dc.contributor.departmentZuzenbideaeu
dc.date.accessioned2023-03-13T08:24:21Z
dc.date.available2023-03-13T08:24:21Z
dc.date.issued2023
dc.date.updated2023-03-10T13:16:00Z
dc.description.abstractConsumers are using cash less and less, and the use of private money, through companies such as Visa, Mastercard or Paypal, is increasing considerably. On the one hand, cryptocurrencies, such as bitcoin, were created in 2008, and on the other hand, private digital currencies backed by large technology companies are coming onto the market. And right now, feasibility projects for digital currencies are being studied by central banks. Indeed, consumers seem not to distinguish between private and public digital currencies, while giving up their privacy, despite the adoption of the European Data Protection Regulation in Europe. Do CBDCs protect the consumer or are they a mirage? Can these digital currencies, with their centralization, represent a monopoly? Is controlling money a way of controlling the market, and suppressing the freedom of the individual? This article aims to answer these questions.en
dc.format.mimetypeapplication/pdfen
dc.identifier.citationSantaolalla Montoya, C. (2023) Do central bank digital currencies (CBDC) protect the consumer or are they a mirage? En Santaolalla-Montoya C. (Dir.), Consumer protection in the European Union: challenges and opportunities (pp. 199-211). Publications Office of the European Unionen
dc.identifier.isbn978-92-76-61984-0
dc.identifier.urihttps://academica-e.unavarra.es/handle/2454/44907
dc.language.isoengen
dc.publisherPublications Office of the European Unionen
dc.relation.ispartofSantaolalla-Montoya, C. (Dir.) Consumer protection in the European Union: challenges and opportunities. Luxemburg: Publications Office of the European Union; 2023. p.199-211 978-92-76-61984-0en
dc.rights© European Union, 2023. Creative Commons Attribution 4.0 International (CC-BY 4.0) license.en
dc.rights.accessRightsinfo:eu-repo/semantics/openAccess
dc.rights.urihttp:/creativecommons.org/licenses/by/4.0/
dc.subjectCBDCen
dc.subjectCentralizationen
dc.subjectConsumeren
dc.subjectMonopolyen
dc.subjectBitcoinen
dc.subjectGDPRen
dc.titleDo central bank digital currencies (CBDC) protect the consumer or are they a mirage?en
dc.typeinfo:eu-repo/semantics/bookPart
dc.type.versionVersión publicada / Argitaratu den bertsioaes
dc.type.versioninfo:eu-repo/semantics/publishedVersionen
dspace.entity.typePublication
relation.isAuthorOfPublication70d91fd8-cd19-437a-a9b4-081e8010c16c
relation.isAuthorOfPublication.latestForDiscovery70d91fd8-cd19-437a-a9b4-081e8010c16c

Files

Original bundle
Now showing 1 - 1 of 1
Loading...
Thumbnail Image
Name:
Santaolalla_CentralBank.pdf
Size:
139.82 KB
Format:
Adobe Portable Document Format
License bundle
Now showing 1 - 1 of 1
No Thumbnail Available
Name:
license.txt
Size:
1.78 KB
Format:
Item-specific license agreed to upon submission
Description: