This issue examines recent trends in the retail cryptocurrency market and prospects for central banks to issue fiat cryptocurrencies. In addition, the May issue takes a close look at the rise of digital banks, the role of BigTech in providing financial products and the future of the financial services industry. Lastly, the report examines the evolving regulatory moat that governments are creating to govern cryptocurrencies and data privacy. Unfortunately, the EU’s data privacy regulation—the General Data Protection Regulation—will likely create a regulatory moat that solidifies BigTech’s power and impedes the development of innovative technologies by small tech start-ups.

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