Educational Resources

SAFBC Developer and Executive Resources

You can find all the resources we have gathered while researching the field in our GitHub repos, with both a tonne of theoretical papers and some useful practical examples for developers to get going with.

Useful Videos
Long-form papers

The Advent of Crypto Banking

Farzam Ehsani

The advent of the Information Age in the 1970s allowed humanity to progress into a world in which information could flow freely, unhindered by national borders, without the need for intermediaries such as post offices, libraries and universities. We have now entered an age in which not only information, but value can flow freely without the need for trusted intermediaries such as banks, deeds offices and Central Securities Depositories (CSDs).

The Macroeconomics of Central Bank Issued Digital Currencies

John Barrdear and Michael Kumhof

We study the macroeconomic consequences of issuing central bank digital currency (CBDC) — a universally accessible and interest-bearing central bank liability, implemented via distributed ledgers, that competes with bank deposits as medium of exchange.

Project Jasper

Payments Canada, Bank of Canada and R3

Project Jasper is a collaborative research initiative by Payments Canada, the Bank of Canada, financial innovation consortium R3 and a number of Canadian financial institutions to understand how distributed ledger technology (DLT) could transform the future of payments in Canada. The project was launched in March 2016, and since then two phases of exploration into the use of DLT for wholesale interbank payments settlement have been successfully completed.

The Impact of the Fourth Industrial Revolution of Financial Services in South Africa.

South African Reserve Bank

The advent of the Information Age in the 1970s allowed humanity to progress into a world in which information could flow freely, unhindered by national borders, without the need for intermediaries such as post offices, libraries and universities. We have now entered an age in which not only information, but value can flow freely without the need for trusted intermediaries such as banks, deeds offices and Central Securities Depositories (CSDs).

Project Ubin

Monetary Authority of Singapore

Project Ubin is a collaborative project with the industry to explore the use of Distributed Ledger Technology (DLT) for clearing and settlement of payments and securities. DLT has shown potential in making financial transactions and processes more transparent, resilient and at lower cost. The project aims to help MAS and the industry better understand the technology and the potential benefits it may bring through practical experimentation. This is with the eventual goal of developing simpler to use and more efficient alternatives to today’s systems based on digital central bank issued tokens.

Regulatory Responses to Fintech Developments

South African Reserve Bank

Arvind Sankaran, an advisor on FinTech, argues: “We are witnessing the creative destruction of financial services, rearranging itself around the consumer. Who does this in the most relevant, exciting way, using data and digital, wins!” To paraphrase the famous Austrian-born economist Joseph Schumpter: it is the process of industrial mutation that revolutionises the economic structure within, incessantly destroying the old one, incessantly creating a new one, a prominent feature of capitalism – which he further describes as the ‘perennial gale of creative destruction’.

Interesting Articles and Resources

Cryptoeconomics for beginners and experts alike

Tim Swanson

Again, if Bitcoin (the overall concept) is viewed as an economy, country or even a startup, it is imperative that the first question is resolved: what is the market need? Who are the intended consumers?

Community-curated Resource List

Scanate

Literally every possible resource you could need for developing on Ethereum.

Deep-dive Ethereum Reading List

Consensys

A fairly comprehensive list of reading to do on Ethereum from all the best places, curated by Consensys. It'll inevitably be out of date by the time you read this, but it should act as a good starting point.