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welcome everyone its wonderful to have you here my name is Neha narula and I am the director of the digital currency initiative at MIT Central Bank digital currency or cbdc is top of mind with over a hundred central banks around the world engaging in research pilots and exploration but in 2023 were in a context marked by geopolitical fragility Financial instability and Market distrust in institutions since we are still at the beginning it remains to be seen exactly what kinds of outcomes cbdcs once implemented will have will they help solve for financial inclusion or deepen the digital divide can cbdcs unify geopolitical and Technical fragmentation in payment and economic systems or might they exacerbate it in our recent work at MIT weve said that cbdc has the opportunity to play an important role as a public good serving the public interest both as a public money and as a public money technology but so much of this outcome depends on the design decisions that we make today in th