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+@article{Adrian,
+ author = {Adrian, Tobias and Tommaso Mancini-Griffoli},
+ year = {2019},
+ title = {The Rise of Digital Money},
+ journal = {IMF Fintech Note},
+ volume = {19/01},
+}
+
+@article{Agarwal,
+ author = {Agarwal, Ruchir and Miles S. Kimball},
+ year = {2019},
+ title = {Enabling Deep Negative Rates to Fight Recessions: A Guide},
+ journal = {IMF Working Paper},
+ volume = {19/84},
+}
+
+
+@article{Agur,
+ author = {Agur, Itai and Anil Ari and Giovanni Dell'Ariccia},
+ year = {2019},
+ title = {Designing Central Bank Digital Currencies},
+ journal = {IMF Working Paper},
+ volume = {19/252},
+}
+
+@article{Allen,
+ author = {Allen, Sarah and Srđjan Čapkun and Ittay Eyal and Giulia Fanti and Bryan A. Ford and James Grimmelmann and Ari Juels and Kari Kostiainen and Sarah Meiklejohn and Andrew Miller and Eswar Prasad and Karl Wüst and Fan Zhang},
+ year = {2020},
+ title = {Design Choices for Central Bank Digital Currency: Policy and Technical Considerations},
+ journal = {NBER Working Paper},
+ volume = {27634},
+}
+
+@article{Alves,
+ author = {Alves, Tiago and Don Felton},
+ year = {2004},
+ title = {TrustZone: Integrated hardware and software security},
+ journal = {ARM IQ},
+ volume = {3},
+ number = {4},
+ pages = {18--24},
+}
+
+@article{AuerBoehme,
+ author = {Auer, Raphael and Rainer Böhme},
+ year = {2020},
+ title = {The technology of retail central bank digital currency},
+ journal = {BIS Quarterly Review},
+ month = {March},
+ pages = {85--96},
+}
+
+@article{AuerCornelli,
+ author = {Auer, Raphael and Giulio Cornelli and Jon Frost},
+ year = {2020},
+ title = {Taking stock: ongoing retail {CBDC} projects},
+ journal = {BIS Quarterly Review},
+ month = {March},
+ pages = {97--98},
+}
+
+@booklet{BIS,
+ author = {{Bank for International Settlements}},
+ year = {2018},
+ title = {Central Bank Digital Currencies. Joint Report of the Committee on Payments and Market Infrastructures and Markets Committee},
+}
+
+@booklet{BoE,
+ author = {{Bank of England}},
+ year = {2020},
+ title = {Central Bank Digital Currency: Opportunities, Challenges and Design. Discussion Paper},
+ month = {March},
+}
+
+@article{Baiocchi,
+ author = {Baiocchi, Giovanni and Walter Distaso},
+ year = {2003},
+ title = {{GRETL}: Econometric Software for the {GNU} Generation},
+ journal = {Journal of Applied Econometrics},
+ volume = {18},
+ pages = {105-110},
+}
+
+@article{Bech,
+ author = {Bech, Morten and Rodney Garratt},
+ year = {2017},
+ title = {Central bank cryptocurrencies},
+ journal = {BIS Quarterly Review},
+ month = {September},
+ pages = {55--70},
+}
+
+@article{Berentsen,
+ author = {Berentsen, Aleksander and Fabian Schär},
+ year = {2018},
+ title = {The Case for Central Bank Electronic Money and the Non-case for Central Bank Cryptocurrencies},
+ journal = {Federal Reserve Bank of St. Louis Review},
+ volume = {100},
+ number = {2},
+ pages = {97--106},
+}
+
+@article{Bernstein2020,
+ author = {Bernstein, Daniel J. and Tanja Lange},
+ year = {2020},
+ title = {{eBACS}: {ECRYPT} Benchmarking of Cryptographic Systems},
+ url = {\url{https://bench.cr.yp.to}, accessed 17 March 2020},
+}
+
+@article{Bernstein2012,
+ author = {Bernstein, Daniel J. and Niels Duif and Tanja Lange and Peter Schwabe and Bo-Yin Yang},
+ year = {2012},
+ title = {High-speed high-security signatures},
+ journal = {Journal of Cryptographic Engineering},
+ volume = {2},
+ pages = {77--89},
+}
+
+@InCollection{Bindseil,
+ author = {Bindseil, Ulrich},
+ year = {2020},
+ title = {Tiered {CBDC} and the financial system},
+ publisher = {European Central Bank},
+ series = {ECB Working Paper},
+ number = {2351},
+ month = {January},
+}
+
+@article{Boar,
+ author = {Boar, Codruta and Henry Holden and Amber Wadsworth},
+ year = {2020},
+ title = {Impending arrival - a sequel to the survey on central bank digital currency},
+ journal = {BIS Papers},
+ volume = {107},
+}
+
+@article{Boneh,
+ author = {Boneh, Dan},
+ year = {1999},
+ title = {Twenty Years of Attacks on the {RSA} Cryptosystem},
+ journal = {Notices of the AMS},
+ volume = {42},
+ number = {2},
+ pages = {202--213},
+}
+
+
+@InCollection{Bordo,
+ author = {Bordo, Michael D. and Andrew T. Levin},
+ year = {2017},
+ title = {Central bank digital currency and the future of monetary policy},
+ publisher = {National Bureau of Economic Research},
+ series = {NBER Working Paper Series},
+ number = {23711},
+}
+
+@article{Brunnermeier,
+ author = {Brunnermeier, Markus and Dirk Niepelt},
+ year = {2019},
+ title = {On the Equivalence of Private and Public Money},
+ journal = {Journal of Monetary Economics},
+ volume = {106},
+ pages = {27--41},
+}
+
+@article{Buiter,
+ author = {Buiter, Willem H. and Nikolaos Panigirtzoglou},
+ year = {2003},
+ title = {Overcoming the Zero Bound on Nominal Interest Rates with Negative Interest on Currency: Gesell's Solution},
+ journal = {The Economic Journal},
+ volume = {113},
+ number = {490},
+ pages = {723--746},
+}
+
+@InCollection{Bullmann,
+ author = {Bullmann, Dirk and Jonas Klemm and Andrea Pinna},
+ year = {2019},
+ title = {In search for stability in crypto-assets: are stablecoins the solution?},
+ publisher = {European Central Bank},
+ series = {ECB Occasional Paper Series},
+ number = {230},
+}
+
+@inproceedings{Camenisch2007,
+ author = {Camenisch, Jan and Aanna Lysyanskaya and Mira Meyerovich},
+ year = {2007},
+ title = {Endorsed E-Cash},
+ booktitle = {2007 IEEE Symposium on Security and Privacy (SP'07)},
+ month = {May},
+ pages = {101--115},
+}
+
+@inproceedings{Camenisch2005,
+ author = {Camenisch, Jan and Susan Hohenberger and Anna Lysyanskaya},
+ year = {2005},
+ title = {Compact E-Cash},
+ booktitle = {Advances in Cryptology -- EUROCRYPT 2005: 24th Annual International Conference on the Theory and Applications of Cryptographic Techniques},
+ address = {Aarhus, Denmark},
+ month = {May},
+ day = {22-26},
+ editor = {Ed. by Ronald Cramer},
+ publisher = {Springer-Verlag Berlin Heidelberg},
+}
+
+
+
+@inproceedings{Canard,
+ author = {Canard, Sébastien and Aline Gouget},
+ year = {2007},
+ title = {Divisible e-cash systems can be truly anonymous},
+ booktitle = {Annual International Conference on the Theory and Applications of Cryptographic Techniques},
+ pages = {482--497},
+}
+
+
+
+@misc{CCC,
+ author = {{CCC e.V.}},
+ year = {2017},
+ title = {Chaos Computer Club hacks e-motor charging stations},
+ howpublished = {34c3},
+}
+
+@article{Chapman,
+ author = {Chapman, James and Rodney Garratt and Scott Hendry and Andrew McCormack and Wade McMahon},
+ year = {2017},
+ title = {Project {J}asper: Are Distributed Wholesale Payment Systems Feasible Yet?},
+ journal = {Financial System Review},
+ publisher = {Bank of Canada},
+ month = {June},
+ pages = {59--69},
+}
+
+@inproceedings{Chaum1983,
+ author = {Chaum, David},
+ year = {1983},
+ title = {Blind signatures for untraceable payments},
+ booktitle = {Advances in Cryptology: Proceedings of Crypto `82},
+ pages = {199--203},
+}
+
+@inproceedings{Chaum1990,
+ author = {Chaum, David and Amos Fiat and Moni Naor},
+ year = {1990},
+ title = {Untraceable electronic cash},
+ booktitle = {Advances in Cryptology: Proceedings of CRYPTO '88},
+ pages = {319--327},
+}
+
+@inproceedings{Danezis,
+ author = {Danezis, George and Sarah Meiklejohn},
+ year = {2016},
+ title = {Centrally Banked Cryptocurrencies},
+ booktitle = {23nd Annual Network and Distributed System Security Symposium, NDSS2016},
+ address = {San Diego, California, USA},
+ month = {February},
+ day = {21--24},
+ publisher = {The Internet Society},
+}
+
+@article{Diffie,
+ author = {Diffie, Whitfield and Martin Hellmann},
+ year = {1976},
+ title = {New Directions in Cryptography},
+ journal = {IEEE Trans. on Inf. Theory, IT-22},
+ pages = {644--654},
+}
+
+@phdthesis{Dold,
+ author = {Dold, Florian},
+ year = {2019},
+ title = {The {GNU} {T}aler System: Practical and Provably Secure Electronic Payments. PhD Thesis},
+ school = {University of Rennes 1},
+}
+
+@article{ECB,
+ author = {{European Central Bank}},
+ year = {2019},
+ title = {Exploring anonymity in central bank digital currencies},
+ journal = {In Focus},
+ number = {4},
+ month = {December},
+}
+
+@inproceedings{Fuchsbauer,
+ author = {Fuchsbauer, Georg and David Pointcheval and Damien Vergnaud},
+ year = {2009},
+ title = {Transferable constant-size fair e-cash},
+ booktitle = {International Conference on Cryptology and Network Security},
+ publisher = {Springer-Verlag Berlin Heidelberg},
+ pages = {226--247},
+}
+
+@inproceedings{Garcia,
+ author = {Garcia, Flavio and Gerhard de Koning Gans and Ruben Muijrers and Peter van Rossum and Roel Verdult and Ronny Wichers Schreur and Bart Jacobs},
+ year = {2008},
+ title = {Dismantling MIFARE Classic},
+ booktitle = {European Symposium on Research in Computer Security},
+}
+
+@article{Garratt,
+ author = {Garratt, Rod and Michael Lee and Brendan Malone and Antoine Martin},
+ year = {2020},
+ title = {Token- or Account-Based? A Digital Currency Can Be Both},
+ journal = {Liberty Street Economics},
+ publisher = {Federal Reserve Bank of New York},
+ month = {August},
+ day = {12},
+}
+
+@article{Goodfriend,
+ author = {Goodfriend, Marvin},
+ year = {2000},
+ title = {Overcoming the Zero Bound on Interest Rate Policy},
+ journal = {Journal of Money, Credit, and Banking},
+ volume = {32},
+ number = {4},
+ pages = {1007--1035},
+}
+
+@article{Johnston,
+ author = {Johnston, Casey},
+ year = {2010},
+ title = {PS3 hacked through poor cryptography implementation},
+ journal = {Ars Technica},
+ month = {December},
+ day = {30},
+}
+
+
+
+@Misc{Jordan,
+ note = {Speech given at the 30th anniversary of the WWZ and VBÖ},
+ author = {Jordan, Thomas J.},
+ year = {2019},
+ title = {Currencies, money and digital tokens},
+ publisher = {University of Basel},
+ month = {September},
+ howpublished = {\url{https://www.snb.ch/en/mmr/speeches/id/ref\_20190905\_tjn/source/ref\_20190905\_tjn.en.pdf}},
+}
+
+
+@article{Kahn2009,
+ author = {Kahn, Charles M. and William Roberds},
+ year = {2009},
+ title = {Why Pay? An Introduction to Payments Economics},
+ journal = {Journal of Financial Intermediation},
+ number = {18},
+ pages = {1--23},
+}
+
+@article{Kahn2005,
+ author = {Kahn, Charles M. and James McAndrews and William Roberds},
+ year = {2005},
+ title = {Money is Privacy},
+ journal = {International Economic Review},
+ volume = {46},
+ number = {2},
+ pages = {377--399},
+}
+
+@article{Kasper,
+ author = {Kasper, Timo and Michael Silbermann and Christof Paar},
+ year = {2010},
+ title = {All you can eat or breaking a real-world contactless payment system},
+ journal = {Financial Cryptography and Data Security, Lecture Notes in Computer Science},
+ volume = {6052},
+ pages = {343--50},
+}
+
+@inproceedings{Katzenbeisser,
+ author = {Katzenbeisser, Stefan and Ünal Kocabaş and Vladimir Rožić and Ahmad-Reza Sadeghi and Ingrid Verbauwhede and Christian Wachsmann},
+ year = {2012},
+ title = {{PUF}s: Myth, Fact or Busted? A Security Evaluation of Physically Unclonable Functions ({PUF}s) Cast in Silicon},
+ booktitle = {Cryptographic Hardware and Embedded Systems -- CHES 2012. Lecture Notes in Computer Science},
+ volume = {7428},
+ pages = {283--301},
+}
+
+@book{Keynes,
+ author = {Keynes, John Maynard},
+ year = {1936},
+ title = {The General Theory of Employment, Interest and Money},
+ publisher = {Macmillan},
+}
+
+@article{Kiff,
+ author = {Kiff, John and Jihad Alwazir and Sonja Davidovic and Aquiles Farias and Ashraf Khan and Tanai Khiaonarong and Majid Malaika and Hunter Monroe and Nobu Sugimoto and Hervé Tourpe and Peter Zhou},
+ year = {2020},
+ title = {A Survey of Research on Retail Central Bank Digital Currency},
+ journal = {IMF Working Paper},
+ volume = {20/104},
+}
+
+@InCollection{Kumhof,
+ author = {Kumhof, Michael and Clare Noone},
+ year = {2018},
+ title = {Central bank digital currencies - design principles and balance sheet implications},
+ publisher = {Bank of England},
+ series = {Staff Working Paper},
+ number = {725},
+}
+
+@inproceedings{Lapid,
+ author = {Lapid, Ben and Avishai Wool},
+ year = {2018},
+ title = {Cache-Attacks on the {ARM} TrustZone Implementations of {AES}-256 and {AES}-256-{GCM} via {GPU}-Based Analysis},
+ booktitle = {International Conference on Selected Areas in Cryptography. Lecture Notes in Computer Science},
+ volume = {11349},
+}
+
+@article{Lerner,
+ author = {Lerner, Josh and Jean Tirole},
+ year = {2005},
+ title = {The Scope of Open Source Licensing},
+ journal = {Journal of Law, Economics \& Organization},
+ volume = {21},
+ pages = {20-56},
+}
+
+@misc{Libra,
+ author = {{Libra Association}},
+ year = {2020},
+ title = {Libra White Paper v2.0},
+ url = {\url{https://libra.org/en-US/white-paper}},
+}
+
+@inproceedings{Lim,
+ author = {Lim, Chae Hoon and Phil Joong Lee},
+ year = {1997},
+ title = {A key recovery attack on discrete log-based schemes using a prime order subgroup},
+ booktitle = {CRYPTO 1997. Lecture Notes in Computer Science},
+ volume = {1294},
+}
+
+@InCollection{Lyons,
+ author = {Lyons, Richard K. and Ganesh Viswanath-Natraj},
+ year = {2020},
+ title = {What Keeps Stablecoins Stable?},
+ publisher = {National Bureau of Economic Research},
+ series = {NBER Working Paper Series},
+ number = {27136},
+ month = {May},
+}
+
+@article{Mancini-Griffoli,
+ author = {Mancini-Griffoli, Tommaso and Maria Soledad Martinez Peria and Itai Agur and Anil Ari and John Kiff and Adina Popescu and Celine Rochon},
+ year = {2018},
+ title = {Casting Light on Central Bank Digital Currency},
+ journal = {IMF Staff Discussion Notes},
+ volume = {18/08},
+ publisher = {International Monetary Fund},
+}
+
+@misc{Nakamoto,
+ author = {Nakamoto, Satoshi},
+ year = {2008},
+ title = {Bitcoin: A Peer-to-Peer Electronic Cash System},
+ url = {\url{https://www.bitcoin.com/bitcoin.pdf}},
+}
+
+@book{Narayanan,
+ author = {Narayanan, Arvind and Joseph Bonneau and Edward Felten and Andrew Miller and Steven Goldfeder},
+ year = {2016},
+ title = {Bitcoin and Cryptocurrency Technologies: A Comprehensive Introduction},
+ publisher = {Princeton University Press},
+}
+
+@misc{Niepelt,
+ author = {Niepelt, Dirk},
+ year = {2020},
+ title = {Digital money and central bank digital currency: An executive summary for policymakers},
+ url = {https://voxeu.org/article/digital-money-and-central-bank-digital-currency-executive-summary},
+}
+
+@inproceedings{Okamoto,
+ author = {Okamoto, Tatsuaki},
+ year = {1995},
+ title = {An Efficient Divisible Electronic Cash Scheme},
+ booktitle = {Advances in Cryptology --- CRYPT0'95: 15th Annual International Cryptology Conference Santa Barbara, California, USA, August 27--31, 1995 Proceedings},
+ editor = {Ed. by Don Coppersmith},
+ publisher = {Springer-Verlag Berlin Heidelberg},
+ pages = {438--451},
+}
+
+@article{Pinto,
+ author = {Pinto, S. and N. Santos},
+ year = {2019},
+ title = {Demystifying {ARM} TrustZone: A Comprehensive Survey},
+ journal = {ACM Computing Surveys},
+ volume = {51},
+ number = {6},
+ month = {January},
+ pages = {1--31}
+}
+
+@article{Rivest,
+ author = {Rivest, Ronald L. and Adi Shamir and Leonard Adleman},
+ year = {1978},
+ title = {A Method for Obtaining Digital Signatures and Public Key Cryptosystems},
+ journal = {Comm. ACM},
+ volume = {21},
+ number = {2},
+}
+
+@book{Solove,
+ author = {Solove, Daniel J.},
+ year = {2011},
+ title = {Nothing to Hide: The false tradeoff between privacy and security},
+ publisher = {New Haven \& London: Yale University Press},
+}
+
+@article{Soukup,
+ author = {Soukup, Michael and Bruno Muff},
+ year = {2007},
+ title = {Die {P}ostcard lässt sich fälschen},
+ journal = {Sonntagszeitung},
+ month = {April},
+ day = {22},
+}
+
+@article{Stallman,
+ author = {Stallman, Richard},
+ year = {1985},
+ title = {The {GNU} manifesto},
+ journal = {Dr. Dobb's Journal of Software Tools},
+ volume = {10},
+ number = {3},
+ pages = {30--35},
+}
+
+
+@TechReport{Riksbank,
+ author = {{Sveriges Riksbank}},
+ year = {2020},
+ title = {The {R}iksbank's e-krona project},
+ month = {Feb},
+ institution = {Sveriges Riksbank},
+ url = {\url{https://www.riksbank.se/globalassets/media/rapporter/e-krona/2019/the-riksbanks-e-krona-pilot.pdf}},
+}
+
+@misc{Wojtczuk,
+ author = {Wojtczuk, Rafal and Joanna Rutkowska},
+ year = {2009},
+ title = {Attacking {I}ntel Trusted Execution Technology},
+ howpublished = {BlackHat-DC 2009},
+}
+
+@article{Yalta2010,
+ author = {Yalta, A. Talha and A. Yasemin Yalta},
+ year = {2010},
+ title = {Should Economists Use Open Source Software for Doing Research?},
+ journal = {Computational Economics},
+ volume = {35},
+ pages = {371--394},
+}
+
+@article{Yalta2008,
+ author = {Yalta, A. Talha and Riccardo Lucchetti},
+ year = {2008},
+ title = {The {GNU/L}inux Platform and Freedom Respecting Software for Economists},
+ journal = {Journal of Applied Econometrics},
+ volume = {23},
+ pages = {279-286},
+}