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A conceptual model for point-of-sale payment with retail central bank digital currency

Author

Listed:
  • Hupel, Lars

    (Giesecke+Devrient advance52 GmbH, Germany)

Abstract

Like many central banks, the European Central Bank is pushing forward with the introduction of a central bank digital currency (CBDC). The digital euro is designed for retail use cases, to include peer-to-peer and merchant payments. Many different form factors are supported, with a focus on offline capabilities. While the picture is clear about how users will access and obtain CBDC, the acceptance side remains to be fully understood. This paper analyses the technical background of CBDC wallets and proposes a conceptual model for introducing CBDC payments to consumers.

Suggested Citation

  • Hupel, Lars, 2024. "A conceptual model for point-of-sale payment with retail central bank digital currency," Journal of Payments Strategy & Systems, Henry Stewart Publications, vol. 18(4), pages 381-394, December.
    • Handle: RePEc:aza:jpss00:y:2024:v:18:i:4:p:381-394
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    More about this item

    Keywords

    central bank digital currency (CBDC); point of sale (POS); merchant payments; card payments; payment networks; stablecoins; interoperability; EMV; offline payments;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

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