Publications

Painting Title: ‘Redecentralisation‘

From Fintech to Ubiquitech: Accelerating the wider UK Digital Economy

Authored by a working group led by Dr. Ruth Wandhöfer

Mar 21, 2024

Redecentralisation - Building the Digital Financial Ecosystem

Special offer / Get 20% off the printed book or eBook! Enter the following coupon code at checkout on link.springer.com to apply discount. BWvY7gUA5LZ3F4 /
Valid Feb 28, 2023 – Mar 28, 2023

‘EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road’, with a foreword from ECB Executive Board Member Gertrude Tumpell-Gugerell, Palgrave MacMillan, 2010 (ISBN 9780230243477)

‘EU Payments Integration – the tale of SEPA, PSD and other Milestones along the Road’, with a foreword from ECB Executive Board Member Gertrude Tumpell-Gugerell, Palgrave MacMillan, 2010
(ISBN 9780230243477)

‘Transaction Banking and the impact of Regulatory Change: Basel III and other Challenges for the Global Economy’, with a foreword from ECB Vice President Vítor Constâncio, Palgrave MacMillan, 2014 (ISBN 9781137351760)

‘Transaction Banking and the impact of Regulatory Change: Basel III and other Challenges for the Global Economy’, with a foreword from ECB Vice President Vítor Constâncio, Palgrave MacMillan, 2014 (ISBN 9781137351760)

‘Technology Innovation in Financial Markets: Implications for Money, Payments and Settlement Finality’, PhD paper CASS Business School & Tilburg University, Centre for Economic Research, 2019 (ISBN 978 90 5668 592 8)

‘Technology Innovation in Financial Markets: Implications for Money, Payments and Settlement Finality’, PhD paper CASS Business School & Tilburg University, Centre for Economic Research, 2019
(ISBN 978 90 5668 592 8)

Featured
ETPPA - Ruth Wandhöfer - UK developments on Open Banking
ETPPA - Ruth Wandhöfer - UK developments on Open Banking
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Mr. Open Banking
Mr. Open Banking

Europe, widely considered the birthplace of open banking, has been on a journey to digitize their financial system for over 20 years.

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Unlocking Value: Modernising Payments & Financial Data Access
Unlocking Value: Modernising Payments & Financial Data Access

Dr. Ruth Wandhöfer, author, speaker and FinTech advisor, joins Citi’s Sophia Bantanidis to discuss Europe’s new payment proposals, a key part of efforts to modernize payments and access to financial data.

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Fintech Times - ‘Redecentralisation’… What is it anyway?
Fintech Times - ‘Redecentralisation’… What is it anyway?
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Redecentralisation and a new digital social contract
Redecentralisation and a new digital social contract

Ruth Wandhöfer, payments expert, keynote speaker and author of ‘Redecentralisation - Building the Digital Financial Ecosystem’, talks to Joy Macknight about how the evolving digitisation of financial services is impacting the end user, as well as the concept of ‘redecentralisation’.

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Digital Identity: Why it matters to Web3
Digital Identity: Why it matters to Web3
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Trust Frameworks as an enabler of open finance and cross-sector opportunities
Trust Frameworks as an enabler of open finance and cross-sector opportunities
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CBDC Transformation Creates the Chance for a Cross-Border Payments Overhaul
CBDC Transformation Creates the Chance for a Cross-Border Payments Overhaul
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The future of cross-border wholesale payments: Mobilising central bank money across borders
The future of cross-border wholesale payments: Mobilising central bank money across borders
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Are Regulators and Regulations fit to meet the Crypto Challenge?
Are Regulators and Regulations fit to meet the Crypto Challenge?
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Chapters in Books/ practitioner articles/ course material

  1. ‘Money Law, Capital, And The Changing Identity Of The European Union’, Chapter contribution, Editors: Gabriella Gimigliano (University of Siena), Valentino Cattelan (Birmingham City University), Hart Publishing, 2022.

  2. ‘The Payment Services Directive II – A Commentary’, Chapter contribution, Editors: Gabriella Gimigliano (University of Siena), Marta Bozina Beros (University of Pula), E. Elgar Commentaries in Financial Law, 2022.

  3. ’To Centralise or Decentralize: What is the Question? An Application to Digital Payments’, Chapter contribution, Ron Berndsen & Ruth Wandhofer, Unimagined Futures - ICT Opportunities and Challenges, International Federation for Information Processing (IFIP), Festschrift, Editors: Leon Strous, Roger Johnson, David Alan Grier, Doron Swade, September 2020, Springer, Cham / Switzerland.

  4. ‘Proof-of-work blockchains and settlement finality: a functional interpretation’, Chapter contribution, The Journal of Financial Market Infrastructures, Risk Journals, Volume 7, Number 4, June 2019.

  5. ‘The Payment Services Directive – a critical review’ in C. Skinner, The Future of Finance after SEPA, Chapter 11, Wiley Finance, 2008 (ISBN 9780470987827).

  6. ‘European Payments: A Path Towards the Single Market for Payments’ in B. Batiz-Lazo, L. Efthymiou, The Book of Payments: Historical and Contemporary Views on the Cashless Society, Palgrave MacMillan, 2016 (ISBN 9781137602305).

  7. ‘New Models of Financial and Financial Reporting for European SMEs’, Chapter contribution, February 2019, Palgrave MacMillan, London.

  8. ‘Banking on Change’, Chapter contribution, September 2019, Wiley, London.

  9. Various articles/videos published in the following publications/platforms: Journal of Payment Strategy and Systems, Treasury Today, Treasury Management, FX-MM, The Banker, FT, Global Finance, GTNews, Eurofinance, Finextra, Coindesk, Efinancial news, Risk Magazine and many more.

  10. Co-author of the Certificate in Principles of Payments (CertPay) of the London Institute of Banking and Finance (2017, 2018, 2019 and ongoing), www.libf.ac.uk.