CBDCs, Stablecoins and AI in Payments

What You Can Do After This Chapter

Learning objective. Learner explains central bank digital currencies, stablecoins, and AI in payments, comparing them with existing rails on speed, settlement, risk, and regulation, and assesses a realistic use case. Learner practises this skill on realistic banking cases, explaining the reasoning clearly and using correct terminology throughout the work.

Practical assessment. Learner evaluates a stablecoin proposal for settling 1,000,000 dollars of cross-border supplier payments, comparing it with SWIFT gpi on speed, cost, settlement finality, and regulatory risk. Learner then writes a balanced assessment recommending for or against a pilot, naming three risks and three controls, and explains one AI use case in fraud detection with its limits. Learner presents the work with calculations and assumptions stated clearly, then reviews it against the chapter checklist and corrects any gaps before submission.

Expected deliverables.

• Stablecoin versus SWIFT comparison table
• Pilot assessment with risks and controls
• CBDC use case summary
• AI fraud detection explainer with limits

Completion criterion. Learner compares at least four dimensions accurately, names three genuine risks with controls, and explains the AI use case with its limits stated. Judgement covers accuracy, completeness, and clear written explanation in the submitted work.