Digital Currencies, a Blessing or a Curse? Resources List
By Judith Ratcliffe
Investopedia.com for this quote: ‘Digital money (or digital currency) refers to any means of payment that exists purely in electronic form.’
The Bank of England - Digital Pound consultation paper: https://www.bankofengland.co.uk/-/media/boe/files/paper/2023/the-digital-pound-consultation-working-paper.pdf
The Bank of England, Technology Working Paper https://www.bankofengland.co.uk/-/media/boe/files/paper/2023/the-digital-pound-technology-working-paper.pdf
Note: When I speak about Quantum Computing and its risks – I have paraphrased to try to make this more understandable, in the webinar, but the Bank of England’s own/original wording is on Page 27- you may wish to read this.
The European Data Protection Board: P4 Statement 05/2021 on the Data Governance Act in light of legislative developments Adopted on 19 May 2021 “the EDPB reiterates that personal data CANNOT be considered as a “tradeable commodity”. An important consequence of this is that, even if the data subject can agree to the processing of his or her personal data, he or she cannot waive his or her fundamental rights.
https://edpb.europa.eu/system/files/2021-05/edpb_statementondga_19052021_en_0.pdf
HSBC: HSBC’s page ‘What is a Digital Wallet?’ https://www.hsbc.co.uk/current-accounts/what-is-a-digital-wallet/
Payment Services Directive Number 2
https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=celex%3A32015L2366
Article 4 - Definitions (30) – PSD 2
Strong customer authentication as required by the 2nd Payment Services Directive, is defined as ‘an authentication based on the use of two or more elements categorised as knowledge (something only the user knows), possession (something only the user possesses) and inherence (something the user is) that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data.
Article 94 PSD 2 - Data protection
2. Payment service providers shall only access, process and retain personal data necessary for the provision of their payment services, with the explicit consent of the payment service user.
Article 22 GDPR: https://gdpr-info.eu/art-22-gdpr/
www.sciencedirect.com (as quoting extracts from) Privacy-Enhancing Technologies by Simone Fischer-Hbner, Stefan Berthold, in the Computer and Information Security Handbook (Second Edition, 2013) ISBN 978-0-12-394397-2, Edited by John Vacca
Microsoft Azure: https://learn.microsoft.com/en-us/azure/confidential-computing/use-cases-scenarios#secure-multi-party-computation
How to Break Hashing: https://resources.infosecinstitute.com/topic/hashcat-tutorial-beginners/