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May 8, 2026Southern Economic Journal

Central Bank Digital Currencies, Financial Inclusion, and Privacy: A Normative Perspective

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Authors

AAAndrew AllisonASAlexander William Salter

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Overview

Normative perspective reveals concerns over CBDCs' impact on financial privacy and inclusion in society.

Key Points

  • This work explores the implications of central bank digital currencies (CBDCs) on financial inclusion and privacy.
  • Analysis of retail CBDCs issued directly to the public
  • Comparative evaluation of banking subsidies and regulatory reform
  • Argumentation against CBDCs as viable policy solutions for financial inclusion.
  • CBDCs likely decrease financial privacy and expand central bank power.
  • Banking subsidies and regulatory reform present viable alternatives for enhancing financial inclusion.
  • Argument for rejecting CBDCs as an effective policy option.

Cite This Study

Allison et al. (2026) studied this question.

synapsesocial.com/papers/69fd7e00bfa21ec5bbf063aahttps://doi.org/10.1002/soej.70036
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Also Consider

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  1. 1A critical evaluation of Central Bank Digital Currencies (CBDCs): payments’ final frontier?2024 · 9 citations
  2. 2Central Bank Digital Currency as a New Form of Money2024 · 5 citations
  3. 3Central Bank Digital Currencies (CBDCs) and Financial Inclusion: Explore How CBDCs Can Promote Financial Inclusion for Unbanked or Underbanked Populations, Considering both Benefits and Challenges2024 · 2 citations
  4. 4Central Bank Digital Currencies and financial integrity: finding a new trade-off between privacy and traceability within a changing financial architecture2024 · 6 citations
  5. 5Central bank digital currencies: An introduction2026