Report NEP-PAY-2026-08-17

This is the archive for NEP-PAY, a report on new working papers in the area of Payment Systems and Financial Technology. Bernardo Batiz-Lazo issued this report. It is usually issued weekly.

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Other reports in NEP-PAY

The following items were announced in this report:

• Ricci, Luca Antonio & Ahokpossi, Calixte & Belianska, Anna & khandelwal, khushboo & Lee, Sunwoo & Li, Bin Grace & Mu, Yibin & Quayyum, Saad & Nunez, Silvia Guadalupe & Ree, Jack Joo & Souto, Marcos Ri, 2025, "Central Bank Digital Currency and Other Digital Payments in Sub-Saharan Africa: A Regional Survey," CEPR Discussion Papers, Centre for Economic Policy Research, number 19889, Jan.
• Jonathan Chiu & Cyril Monnet & Oliver Junye Xu, 2026, "To Tokenize, or Not to Tokenize: The Design Question for a Central Bank Digital Currency," Staff Working Papers, Bank of Canada, number 26-14, May, DOI: 10.34989/swp-2026-14.
• Youming Liu & Francisco Rivadeneyra & Edona Reshidi, 2026, "Public vs. Private Payment Platforms: Market Impacts and Optimal Policy," Staff Working Papers, Bank of Canada, number 26-10, Mar, DOI: 10.34989/swp-2026-10.
• Yuteng Cheng & Jonathan Chiu & Mohammad Davoodalhosseini & Janet Hua Jiang, 2026, "Data Externalities, Market Power, and the Optimal Design of Central Bank Digital Currencies," Staff Working Papers, Bank of Canada, number 26-21, Jun, DOI: 10.34989/swp-2026-21.
• Christian Friedrich & Laura Zhao, 2026, "Patterns and Determinants of Global Cryptocurrency Flows," Staff Working Papers, Bank of Canada, number 26-15, May, DOI: 10.34989/swp-2026-15.
• Aldasoro, Inaki & Cornelli, Giulio & Ferrari Minesso, Massimo & Gambacorta, Leonardo & Habib, Maurizio Michael, 2024, "Stablecoins, money market funds and monetary policy," CEPR Discussion Papers, Centre for Economic Policy Research, number 19605, Oct.
• Arvind Magesan & Juan S. Morales & Arieda Muço, 2026, "Legal Threats and Online Dissent: Evidence from Social Media Regulation in Turkey," CESifo Working Paper Series, CESifo, number 12873.
• Hongyu Xiao & Robert Petrunia & Sarah Lucky, 2026, "Banking Competition and Access to Cash and Retail Banking Services in Rural Canada," Staff Working Papers, Bank of Canada, number 26-19, Jun, DOI: 10.34989/swp-2026-19.
• Ndiaye, Abdoulaye, 2024, "Parallel Execution Fee Mechanisms," CEPR Discussion Papers, Centre for Economic Policy Research, number 19666, Nov.
• Lippi, Francesco & Moracci, Elia, 2024, "Cash or Card? A Structural Model of Payment Choices," CEPR Discussion Papers, Centre for Economic Policy Research, number 19752, Dec.
• Peitz, Martin & Sato, Susumu, 2024, "Asymmetric Platform Oligopoly," CEPR Discussion Papers, Centre for Economic Policy Research, number 19584, Oct.
• Anna Chernesky & Kim P. Huynh & Marcel C. Voia, 2026, "I Am So Tired! I Don’t Know What to Do! Survey Fatigue and Financial Literacy: Results from a Randomized Experiment," Staff Working Papers, Bank of Canada, number 26-5, Mar, DOI: 10.34989/swp-2026-5.
• Rusakov, Alexey & Kretschmer, Tobias, 2024, "First-Party Complements in Platform Markets: The Role of Competition," CEPR Discussion Papers, Centre for Economic Policy Research, number 19687, Nov.
• Motloutsi, Veronica & Viriri, Serestina & Samuels, Alexander, 2026, "Digital Transformation Capacity and Sustainable Development in South Africa’s Fintech Entrepreneurial Ecosystem: A Critical Realist Framework," SocArXiv, Center for Open Science, number 87vbp_v2, Jul, DOI: 10.31235/osf.io/87vbp_v2.
• Sanoh Yusuf, 2026, "Assessing the Welfare Impact of Financial Inclusion through Consumption Diversification in West Africa: A Parametric and Non-Parametric Approach," Discussion Papers in Economics and Business, Osaka University, Graduate School of Economics, number 26-10, Aug.
• Rachid Maghniwi, 2026, "Federated Learning with Differential Privacy for Credit Risk Assessment in the Moroccan Banking Sector: A Data-Driven Approach for Secure Open Banking," Post-Print, HAL, number hal-05638586, May, DOI: 10.36948/ijfmr.2026.v08i03.79267.
• Pandey, Aarni & Ganjoo, Ananta, 2026, "Antitrust reforms in the Digital Economy: A Balancing Act Between Regulations and Innovation," LawArchive, Center for Open Science, number dk8sp_v1, Jul, DOI: 10.31228/osf.io/dk8sp_v1.
• Pitters, Julia & Seitz, Franz, 2026, "Beyond the cost debate: A multidimensional approach to quantify the value of cash for society," IMFS Working Paper Series, Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS), number 241.
• Boris Hofmann & Aaron Mehrotra & Jan Paulick, 2026, "Dollarisation and monetary control: what lessons for the rise of stablecoins?," BIS Working Papers, Bank for International Settlements, number 1370, Jul.
• Bartram, Söhnke & Grinblatt, Mark & Xu, Yan, 2025, "Monetary Policy Predicts Currency Movements," CEPR Discussion Papers, Centre for Economic Policy Research, number 19881, Jan.
• Yaiza Cabedo & Mr. Tommaso Mancini-Griffoli & Fabian Schär & Nicolas Zhang, 2026, "Financial Market Infrastructures Evolution in a Tokenized Economy: Exploring blockchain implementation options for issuance, central clearing, settlement, and reporting," IMF Working Papers, International Monetary Fund, number 2026/136, Jul.
• Aditya Aladangady & Ricardo Duque Gabriel & Carlo Wix, 2026, "Measuring Consumption with Credit Card Data: Benchmarking and Beyond," Papers, arXiv.org, number 2607.08759, Jul.
• Copestake, Alexander & Furceri, Davide & Terracciano, Tammaro, 2024, "The Crypto Cycle and Institutional Investors," CEPR Discussion Papers, Centre for Economic Policy Research, number 19810, Dec.
• Barwick, Panle & Chen, Siyu & Fu, Chao & Li, Teng, 2024, "Digital Distractions with Peer Influence: The Impact of Mobile App Usage on Academic and Labor Market Outcomes," CEPR Discussion Papers, Centre for Economic Policy Research, number 19579, Oct.
• ~, Imelda & Abatayo, Anna Lou & Resusodarmo, Budy, 2024, "Prepayment, Salience, and Welfare," CEPR Discussion Papers, Centre for Economic Policy Research, number 19778, Dec.
• David M. Rothschild & Nicole Immorlica & Brendan Lucier & Markus Mobius & Aleksandrs Slivkins, 2026, "The Evolution of Digital Search: From Blue Links to Delegated Decision-Making," Papers, arXiv.org, number 2607.21459, Jul.
• Prashanth BS & Manoj Kumar & Ariful Hoque & Nasser Al Muraqab & Immanuel Azaad Moonesar & Udo Christian Braendle & Ananth Rao, 2026, "Prediction of bank transaction fraud using TabNet an adaptive deep learning architecture," Papers, arXiv.org, number 2607.18616, Jul.
• Steiner, Julia, 2026, "Evidence from wages and prices on the limited utility of Germany's first paper money (1772-1873)," Economic History Working Papers, London School of Economics and Political Science, Department of Economic History, number 140541, May.
• Haibo Li & Estelle X Liu & Yinqiu Lu & Anne Oeking, 2026, "Graying Asia: How Aging Is Reshaping Banking," IMF Working Papers, International Monetary Fund, number 2026/150, Jul.
• Doshi, Samir & Hoolohan, Vicky & Lewis, Tabitha & Schneebacher, Jakob, 2024, "Estimating geographical retail markets from card spending data," Discussion Papers, Economic Statistics Centre of Excellence, number escoe-dp-2024-16, Nov.