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Digital Currency Dissertation Topics

Date published October 24 2020 by Stella Carter


The aim is to assess implementation of E-krona by Sweden, which has the potential to become world’s first digital currency in central banks. However, risks and benefits, both are involved regarding its implementation in the central banks. Since the use of coins and banknotes has already decreased in Sweden, therefore, e-krona is being developed as there are possibilities of potential problems regarding cash marginalisation. Thus, it is important to examine E-krona as it can be utilised for various banking functions such as deposits, payments, and withdrawals from digital wallets and by general public as well.

The aim is to analyse issuance of a digital version of currency by central banks to keep up with rapidly digitalising economy and managing technological change. The People’s Bank of China has started online applications and e-wallets regarding the issuance of digital currency. Users can download a digital wallet, fill it with money, and then use it for receiving and making payments directly with another person who also possesses a digital wallet. Therefore, it is significant to look into the issuance of digital currency by PBOC as it will allow users to convert between digital money and cash, make remittance and payments, and check accounts, which will be useful in tracking money electronically, and combating money laundering and other illegal activities.

The aim is to examine the intense political pushback and regulatory pressures that Facebook is facing regarding the implementation of Libra coin. Libra coin is a digital currency that will assist Facebook users in moving or transferring money to another person via Facebook Messenger. Libra was to be launched by Facebook in the first half of 2020 in partnership with Libra Association. However, the project was transitioned to supporting and using existing digital currencies, particularly, government-backed digital currencies due to increasing pressure from regulators regarding Facebook’s history of using user data. Therefore, it is necessary to analyse resistance in the implementation of Libra coin as it will provide comprehension about usage of user data by Facebook and consumer security.

The aim is to examine CBDCs (Central Bank Digital Currencies) as they are increasingly being considered since the trade mechanics have shifted. Central banks deliver flat currency as debt that is credited to commercial banks and loan currency across a regional network of banks to customers and businesses. In this regard, CBDCs are expected to be significantly ambitious propositions with the capability to affect financial institutions, governments, and investors in the long and short run. Therefore, it is important to look into CBDCs and comprehend their value, history, future trajectory, and proposition.

The aim is to analyse digital currencies with regard to their use in trade. Digital currencies have become a worldwide phenomenon and are gaining increasing attention among investors, legal scholars, and economists. Moreover, digital currencies are publicly available, are transparent, and can be concluded between owners of such currencies, which make it easy to operate through multilateral platforms that are similar to conventional trading amenities. In addition, digital currencies provide protective transactions and anonymity of parties involved. Therefore, it is significant to examine benefits of digital currencies in shifting from traditional to digital trading.

The aim is to examine how bitcoin can be used to generate meaningful macroeconomic data that assists in understanding the cross-country differences in bitcoin prices. Investors pay a premium over international prices of bitcoin in countries where there are less economic freedom, strict capital, and foreign exchange controls, which restrict investment freedom for them. Therefore, it is significant to comprehend bitcoin and its uses in creating a set of information that provides cross-country data so that new channels can be offered to avoid premium prices, restrictions, domestic jurisdiction repression, imperfect markets, unexpected high premiums, and systematic risk.

The aim is to investigate whether confidential transactions can provide confidential, secure, private transactions, and financial privacy. Confidential transaction is a method, which allows consumers to conceal their payment values from public with new cryptographic techniques. This provides enough data to permit users to validate that the sum of transacted coins is conserved. Therefore, it is important to analyse the role of confidential transactions so that no digital currency including bitcoin can be destroyed or created when a transaction is happening without displaying exact amount of transactions.

The aim is to analyse bitcoin regarding the requirements of finance and banking in trade as bitcoins can easily be used in small-scale cross-border trade. Moreover, use of digital currencies in payment systems such as banks can increase speed of cross-border and domestic transactions, widen availability to financial systems for rural and poor households, and decrease transaction costs. The finance and banking systems can become much more effective and the process of sending money can be made easier, which can further provide a vision to the finance and banking sectors.

The aim is to examine effectiveness of digital currencies in offering lower costs and addressing conventional payment services gaps. Central banks sustain their effectiveness and stability in the financial system and take an interest in retail payments and digital currencies can have significant outcomes for safety along with making financial establishments. Therefore, it is important to look into the gaps in traditional payment services as they can lead to implementation of innovative strategies to exchange a particular amount of sovereign currencies.

Digital currencies have specifically affected practices, functions, and operations of central banks and financial systems. This has the potential to completely eliminate cash and replace a range of physical currencies such as pounds, dollar, euros, and yen. Due to this, concerns have been raised among central banks. Central banks feel the need to issue digital currency in order to be used by general public. Therefore, it is important to discuss and consider possible implications and motivations for central banks to issue a digital currency and set a benchmark that is similar to the features of cash so that financial stability, monetary policy, and payment system can be sustained and made effective.

CBDCs serve as a costless medium of exchange, stable unit of account, and medium for securing store of value. The aim is to assess the impact of CBDCs on all characteristics of monetary structure so that transparent and systematic conduct of monetary policy can be facilitated. Therefore, it is important to examine the role of CBDCs in changing the system of monetary policies as a changed framework of monetary policy can foster true price stability. This can be implemented through interest-bearing and account-based CBDCs. Due to this, the real value of CBDCs can remain stable for a longer time period with regards to user price index and gaining monetary control.

Facebook Credits emerged as a form of digital currency, particularly, a platform-sponsored digital currency that provided “enhancements” to consumers who spent time on the Facebook Platform. Facebook Credits allowed to buy a variety of services provided by Facebook including non-gaming and gaming applications. Consumers could allot time for earning money by using Facebook Platform or outside of Facebook Platform. Facebook Credits were significant for competitors to become fully functional, however, it was removed from Facebook in 2012. Therefore, the aim is to analyse Facebook Credits’ limitations and drawbacks that led to its complete removal from the Facebook Platform.

The aim is to analyse how private digital currencies can assist in moving money without the interference of any organisation including banks. Digital currencies assist in preventing users from spending their balances more than once, which makes it difficult for banks to intervene. Digital currencies including bitcoin use open source software and peer-to-peer networks to create finality of transactions and stop double-spending along with creating an equilibrium, which provides value to computarised trade markets in which there are no agents or brokers involved.

Therefore, it is important to examine digital currencies in transferring money to foreign countries without the interference of any agents or brokers.

The aim is to examine CBDCs with regard to their impact on regular operations and functionality of private banks or monopolistic banking sector. Since CBDCs increase financial inclusion and decrease or eliminate the demand for physical cash, therefore, interest-bearing CBDC will be assessed in order to comprehend decrease in monopoly profit and increase in bank deposits to raise deposit rates. Thus, it is important for private banks to assess negative impacts that CBDCs could have so that operations can be adapted accordingly and operations can be efficiently conducted within the financial sector by including services related to digital currencies.

The aim is to analyse theories related to consumer trust with respect to transactions enabled by digital currencies. The enhanced trust of consumers in organisations regarding transactions conducted using digital currencies can ease the process of achieving financial stability, and building and targeting the desired audience. Businesses should include a digital currency enabled transactions trust model to analyse variations in trust level of consumers with regards to differences in digital currencies and physical cash. Therefore, it is important for businesses to analyse significance of digital currency enabled transactions to provide extensions and construct changes in order to gain, strengthen, and maintain consumer trust.

The aim is to examine role of digital currency cryptography, which provides no service charges, no intermediaries, no delays, and no legal fees along with ease of receiving, sending, and storing value on digital wallets. Digital currency cryptography is easy for business enterprises as signing up does not need details nor requires bank accounts to be connected in the consumers’ accounts, which makes the process of sending money simple. Therefore, it is important to analyse its efficiency in financial security and privacy so that right to privacy and privacy form surveillance from other people can be achieved along with removing possibilities of theft and fraud of personal information.

The aim is to examine conservation of efficiency of monetary policy as private digital currencies are increasingly flooding the financial sectors due to which central banks might need to issue their digital currencies. Although, considerations have been made regarding the pros and cons relating to issuance of CBDCs, however, there is no central bank that has implemented such a currency on a large or full scale. Whereas, implementation of CBDCs can provide political and economic feasibility to the banking sector, which can further provide potential and actual cost-saving benefits in other segments of financial sectors.

The aim is to assess a transactional ecosystem for digital currencies, which can represent money in a modern way and give international prominence to the utilisation of digital currency. The implementation of a transactional ecosystem can provide monetary value to digital coins along with well-defined terms of payments and management of coins when they are forwarded for redemption. Therefore, it is necessary to examine transactional ecosystem so that proper mints, representation of coins, and security features of digital currencies can be ensured for managing and redeeming digital currencies in order to achieve smooth transaction dynamics.

The aim is to examine development of digital currency by ECB (European Central Bank) as a substitute to cash as the region feels that it is falling behind Asia and USA in the international payment markets. The development of digital currency will enable users to keep utilising central banks’ money even if physical cash is not used any longer. Therefore, it is important to assess costs, benefits, and forms of digital currency in order to investigate other central banks and ECB to comprehend financial intermediation consequences and policy domains including investor protection, legal certainty, compliance with anti-money laundering recruitments, and financial stability.

The aim is to examine the role of a federal reserve-backed digital currency in order to secure monetary stability that can further assist in achieving macroeconomic stability and financial security. A regulated site for digital currency fully backed by Federal Reserves can assist in managing users by DPPs (Digital Payment Providers), making cheaper and faster payments and preserving existing system’s stability and functionality. Therefore, it is important to assess tools that can be used by Federal Reserves in order to meet mandates of digital currency and maintain price stability along with preserving soundness and safety of financial structure in the rapidly advancing world.