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Must-Read Research Reports -- September 2020

We've collected the best emerging tech reports published in September to keep you occupied as bad weather drives us all inside.



February 16, 2021

With September’s end, we already find ourselves in Q4 of what is potentially one of the strangest years for many of us. However, even as Covid-19 rules much of our lives, the continued innovation in emerging technologies cannot be left by the wayside. With colder days closing in, we’ve selected the best reports to curl up by the fire with.


Reports this month largely focus on the struggle of regulating such rapidly evolving spaces (especially for the world of cryptos), while still seeking to benefit from these changes.

1. European Central Bank

Stablecoins: Implications for Monetary Policy, Financial Stability, Market Infrastructure and Payments, and Banking Supervision in the Euro Area

Starting with the declaration that the term stablecoin is misleading, the potential outcomes of stablecoins on the Eurozone are laid out. The three potential functions are defined as: in addition to the Euro, as a new payment method, or most disruptively, as an alternative store of value. 

2. Bank for International Settlements

FinTech and Big Tech Credit: A New Database

This comprehensive overview of FinTech and big tech markets reveals that both have expanded to reach USD 223b and USD 573b, respectively. China, the US, and the UK dominate FinTech credit markets, while China, Japan, South Korea, Southeast Asia, and parts of Africa and Latin America have rapidly growing big tech markets. Both are more developed in places with greater ease of business and disclosures of investor protection. Overall, alternative credit complement, rather than replaces, other forms of credit.

3. dGen

CBDCs: Geopolitical Ramifications of a Major Digital Currency

With the launch of a digital Yuan imminent and the Dollar holding strong in its position as global reserve currency, this report explores the shifts in global economics that an economic superpower’s CBDC will bring. Specifically, how this will affect the Eurozone and the precarity of the Euro, in the second position but with a CBDC still distant, are analysed.

4. The Law Society 

Blockchain: Legal & Regulatory Guidance

This report discusses key issues legal practitioners must be aware of while advising DLT projects. It lays out a clear framework for the usage of blockchain in various legal sectors, including smart contracts, data protection, data governance, and security, intellectual property, dispute resolution, etc.

5. Deutsche Bank Wealth Management

Central Bank Digital Currencies: Money Reinvented

Central banks around the world are working on CBDCs, with China and Sweden at the forefront now testing initial versions. These developments and the pros and cons revealed in their design should not be ignored. This report explores some of the issues involved and their implications from an economic perspective. The impact on central banks, individuals, and governments are all explored.

6. European Parliament Think Tank

Disruption by Technology: Impacts on Politics, Economics and Society

Analysing seven key areas disrupted by technological innovation, focussed on politics, economics, and society, this report reveals change felt at both individual and international levels. Based on the finding, surveillance is marked as particularly important in driving disruption at a greater pace. Finally, coronavirus is discussed as the most disruptive force in 2020, despite its non-technical nature. 

7. European Parliament Think Tank

European Framework on Ethical Aspects of Artificial Intelligence, Robotics and Related Technologies

This European Added Value Assessment (EAVA) evaluates the potential benefits of an EU-wide approach to an ethical framework for Artificial Intelligence (AI), robotics, and related technologies. Presenting a qualitative and quantitative assessment of the overall net impact of taking collective EU action versus individual actions by member states, this report concludes that with a collaborative effort, the EU could lead the globe in best-practices.

8. European Parliament

Digital Finance: Emerging Risks in Crypto-Assets: Regulatory and Supervisory Challenges in the Area of Financial Services, Institutions and Markets

Based on the rapidly growing and evolving crypto-assets sector, the European Added Value Analysis (EAVA) appraises the current EU regulatory framework. Flexible and open regulation is highly recommended to decrease risk, yet grow with the sector. However, the report calls for cooperation at an international level to see the best returns and foster economic growth.

9. Amnesty International

Out of Control: Failing EU Laws for Digital Surveillance Export

Amnesty International's report provides evidence of a gap in the EU's export regulation framework for digital surveillance technologies. Focussed on the high-rate of EU-based companies exporting facial and emotion recognition technology to China without performing due-diligence, this report highlights the breach of fundamental human rights using these technologies. It finishes with actionable recommendations for EU institutions and member states to improve human rights protection.

We hope you found this report round-up useful and enjoyed a few of these reads. If you think we missed any, or have any feedback, please get in touch with us at

Akash has a background in digital marketing and works on UX and UI design. His passion is technological development, and he is currently exploring where emerging technologies will take society.