Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Must Read Research Reports, November 2020

We collected the best emerging tech reports every month to keep you in the know. Here are our top picks for November.



February 16, 2021

November started with the US elections dominating much of the news around the world. The 2020 US elections will enter into history for its unprecedented percentage of mail-in ballots, as well as the controversial count that lasted over a week between two candidates that have not only split the country, but extended to the rest of the world.

On the other hand, late November panicked bitcoin investors with a crash correction on Thanksgiving morning. And, now, we’ve skipped our Black Friday and Cyber Monday deals to bring you the best research from the month.

Today’s recap is seasoned with some CBDCs, a touch of cybersecurity, and loads of trading, payments, and investing in the digital age.

1. European Central Bank

Eleventh survey on correspondent banking in euro.

Correspondent banking refers to bilateral relationships between banks that allow for the transfer of funds via a book-to-book transfer. The correspondent banking network plays an essential role in the global payment system, as a well-established channel for banks to access financial services in different jurisdictions, inside and outside the European Union.

This report presents the results of the eleventh survey on correspondent banking and provides trend analysis of the correspondent banking business in the Euro area. The findings are complemented by a series of interviews with stakeholders.

2. Financial Stability Board (FSB)

The Implications of Climate Change for Financial Stability

This report discusses the potential implications of climate change for financial stability. It investigates channels through which climate-related risks might impact the financial system. It also examines potential mechanisms within the financial system that might amplify the effects of climate-related risk as well as the cross-border transmission of risks. It also builds on existing work by the FSB and other international bodies.

3. dGen

Democracy Decentralised: Voting, Governance & Transparency

We see a current need to improve both voting and governance systems. Our latest report investigates innovative solutions emerging in blockchain communities. It also outlines the significant pros and cons of i-Voting and blockchain governance in addressing standard transparency and legitimacy issues - especially in light of Covid-19’s impact on democratic elections.

4. International Monetary Fund

Legal Aspects of Central Bank Digital Currency: Central Bank and Monetary Law Considerations

This paper analyses the legal foundations of a Central Bank Digital Currency (CBDC) under central bank and monetary law. Given absent strong legal foundations, the issuance of a CBDC poses legal, financial, and reputational risks for central banks. While the appropriate design of the legal framework will depend on the design features of the CBDC to a degree, some general conclusions can be made. First, most central bank laws do not currently authorise the issuance of a CBDC to the general public. Second, from a monetary law perspective, it is not evident that “currency” status can be attributed to CBDCs. 

5. European Central Bank

Central bank digital currency in an open economy

The ECB examined the implication of the open-economy of the introduction of a Central Bank Digital Currency (CBDC). They add a CBDC to the menu of monetary assets available in a standard two-country DSGE model with financial frictions and consider a broad set of alternative technical features in CBDC design.

6. World Trade Organization (WTO)

Blockchain and DLT in Trade: Where Do We Stand?

This publication updates the original "periodic table" of Distributed Ledger Technology (DLT) projects in trade, launched in November 2019 by the International Chamber of Commerce, the WTO, and Trade Finance Global, a trade finance platform, at the WTO Global Trade and Blockchain Forum.

7. World Economic Forum

Top 10 Emerging Technologies 2020

These are the most exciting technologies that emerged in 2020 and – according to WEF experts – have the greatest potential to positively transform society and industry. What opportunities will they unlock, what risks could they potentially pose?

8. World Economic Forum

Future Series: Cybersecurity, emerging technology and systemic risk

This new Future Series report highlights the growing threat from hidden and systemic risks inherent in the emerging technology environment. These issues will require significant change to the international and security communities’ response to cybersecurity.

9. World Economic Forum

Partnership against Cybercrime

The World Economic Forum created the Partnership against Cybercrime initiative to address the global challenges posed by cybercrime. They explore ways to amplify public-private cooperation against this crime and overcome existing barriers to cooperation. The initiative brought together key private- and public-sector stakeholders, including leading law enforcement agencies, international organisations, cybersecurity companies, service, and platform providers, global corporations, and not-for-profit alliances.

The group's approach was not only to understand the challenges but also to design forward-looking and action-oriented solutions, all of which are presented in this report.

We hope you found this round-up useful, and, as always, if you found a report that we missed, please let us know at

Francisco has a degree in Business and Law, and is currently working for dGen to communicate its vision for blockchain adoption to an audience of thought leaders in tech companies, corporates, and the public sector as a researcher and marketer.