Aligning Technology with Policy: The Oliver Wyman Forum and Amazon Web Services (AWS) Report

Wednesday 10th August 2022, 14:00 (BST)


In previous sessions of The CBDC Broadcast, we focused on the many motivations for rolling out a CBDC, from achieving higher financial inclusion and higher transactional efficiency to preserving monetary sovereignty by compensating for the declining use of cash and by countering the entrance of new private forms of digital currencies.

Session #8 of the CBDC Broadcast featured guests Larissa De Lima (Oliver Wyman Forum) and Erica Salinas (Amazon Web Services), who joined FNA to discuss their joint report: Retail Central Bank Digital Currency: From Vision to Design. The report sets a framework to support policymakers in evaluating the interdependencies between policy and technological choices and highlights the importance of ensuring CBDC motivations, design principles and policy decisions are properly aligned.

The session covered:

  • The principles that influence CBDC design choices
  • Key policy trade-offs when designing a CBDC
  • What services a Central Bank may offer if it positions itself close to identify-based services
  • The role the private sector plays in designing a CBDC
  • How central banks can make CBDCs as attractive as possible without threatening financial stability
  • The choices around ledger technologies for CBDCs
  • The risks associated with the implementation of a CBDC system
  • Whether a G7 bank is likely to introduce a CBDC in the next five years

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View the slides from this session > 

Session #8 Guests


Larissa De Lima

Senior Fellow, Oliver Wyman Forum

Larissa is a Senior Fellow with the Oliver Wyman Forum and co-leads the Future of Money initiative. She leads the Forum’s research on the Central Bank Digital Currencies (CBDCs) and their impact on the future of financial systems and meets regularly with policymakers of major central banks to discuss those issues.

She previously managed the Forum’s Future of Data Initiative, where she led research on attitudes toward sharing data during the pandemic on how value/profit is created and shared across data ecosystems. Prior to joining the Forum, she worked as a consultant for Oliver Wyman, advising financial services clients on adapting to technological and regulatory change.

Larissa has a Master’s in Public Policy from the Harvard Kennedy School and an MBA from Harvard Business School. While pursuing her BA in computer science, she conducted research in artificial intelligence and computational neuroscience. She is an avid reader across genres and enjoys writing speculative fiction short stories.

Erica Salinas

Global Technical Leader-Blockchain, AWS

Erica is a principal blockchain lead at Amazon. She serves to advise and accelerate web3 projects across the enterprise to meet emerging customer needs. Previously she led the digital assets initiative within the worldwide public sector at Amazon Web Services (AWS). She was part of the global team that supports central banks and international financial institutions as they seek to achieve their mandates amid rapidly changing technology.

Prior to joining Amazon, Erica worked as an enterprise product manager for a blockchain start-up. She also spent time researching the intersection of technology and microfinance, in particular the impact of mobile money on financial inclusion. Erica has a Master’s in Finance and Development Economics from American University and a Bachelor’s and Master’s in Electrical Engineering from MIT. She finds joy in applying emerging tech to bend history gently in the right direction.



Resources & Links

Access the slides from this session here >

Retail Central Bank Digital Currency: From Vision to Design – A Framework to align policy objectives and technology design choices Read More > 

Central Bank Digital Currencies: Two-Part series on how to leverage this technology to achieve your mission  Read More > 


Missed our previous sessions? Watch the series on-demand


10th August 2022

Aligning Technology and Policy: The Oliver Wyman Forum and Amazon Web Services (AWS) Report

With: Larissa de Lima & Erica Salinas 

Watch Now >


20th July 2022

CBDC Motivations and Challenges – A Perspective from Asia-Pacific

With: Masaki Bessho & Dr Steven Hu

Watch Now >


30th June 2022

Central Banks and Private Money: The Past, Present and Future

With: John Kiff & Harish Natarajan

Watch Now >


18th May 2022

CBDC Motivations and Challenges – A Perspective from Latin America

With: Ludmilla Butueau Allien & Dr Adolfo Sarmiento

Watch Now >

28th April 2022

CBDC Motivations and Challenges- A Perspective from the UK & Canada

With: Dr Francisco Rivadeneyra & Mehregan Ameri

Watch Now >

16th March 2022

HSBC & IBM’s Joint CBDC Project

With: Mark Williamson & Soren Mortensen

Watch Now >

15th February 2022

Critical policy issues & Lessons Learned from UK and China

With: Jean-Michel Godeffroy & Keith Bear

Watch Now >

11th January 2022

Quantifying the Impact of CBDCs

With: Dr Kimmo Soramäki & Dr Carlos León

Watch Now >



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