The Digital Currency, Blockchain & New Economy Series is a CAMRI forum that publishes thought leadership articles, case studies, and op-eds representing the views of CAMRI-associated authors as they relate to the ever evolving blockchain technologies which are disrupting financial services, asset management, corporate finance, and other areas. We believe that innovative and thoughtful articles that are accessible to the lay person can make a positive difference in the adoption and expansion of blockchain applications in various fields.

Banking at critical juncture with dawn of fintech 
In a commentary, Pranay Gupta (Research Consultant, CAMRI) says that for banks to survive in the digital age, they need to provide customised services to meet the needs of individual customers.
The Business Times (Saturday, 10 November 2018) 

The DEX Primer: A Novel Approach to Supplanting Traditional Financial Markets
by Yao Qian (October 2018)

Mind the blockchain knowledge gap 
In a commentary, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says learning by doing and networking is the best approach for individuals looking to venture into the blockchain job market, as there are currently no official standards.
The Straits Times (Sunday, 7 October 2018)
Also seen in: NUS News

Five common bitcoin myths demystified 
In a commentary, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says it is important to sort fact from fiction about bitcoins as misinformation can hamper its adoption. For instance, one myth is that bitcoin is widely used for illegal activities as it is anonymous. In fact, the address of bitcoins senders and receivers are revealed in transactions, making it easy for law enforcement to track and trace them.
The Straits Times (Sunday, 5 August 2018)
Also seen in: ThinkBusiness

What is blockchain?  
As part of a regular series explaining financial terms, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says blockchain – the underlying technology behind cryptocurrencies – is a secure distributed ledger that allows any two parties to digitally transact with each other without a need for an intermediary or a central authority.
The Straits Times (Sunday, 22 July 2018) 

What is initial coin offering? 
Contributing to a regular column that explains common financial terms, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says ICO (initial coin offering) is an innovative fund-raising method used by start-ups to raise money at an early stage of a company's lifecycle.
The Straits Times (Sunday, 10 June 2018)

Deciphering the cryptic world of Initial Coin Offerings 
In a commentary, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says Initial Coin Offerings have the potential to provide start-ups with much-needed capital, but time is needed for the process to evolve as investment at present is opaque, high risk and offers little protection. 
Channel NewsAsia (Wednesday, 30 May 2018)
A version of this article also appeared in The Headline Stories.

On track towards the next crypto regulatory frontier
In a commentary, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says that for regulations to be effective, regulators will need to coordinate their efforts globally as crypto businesses tend to relocate to countries where the rules are more relaxed.  
The Business Times (Wednesday, 16 May 2018)

Some Thoughts on Digital Currency
By Dr Yao Qian, Director-General of Digital Currency Research Lab, People’s Bank of China (Friday, 20 April 2018)

Infrastructure finance and the new economy: A case for tokenising
In a commentary, NUS Business School alumni Darius Sit and Mitchell Chan from QCP Capital and JL Capital respectively, also graduates of the CAMRI Student Managed Fund Track, say blockchain tokens, essentially part of a ledger where a copy is owned by every participant in a network, will only have new entries following majority consensus. Both say this ensures transparency, security and immutability, three crucial characteristics for investor confidence, and leading to more participation from the private sector in the region’s infrastructure projects. 
The Business Times (Tuesday, 10 April 2018) 

The evolving business of asset management
In a commentary, Pranay Gupta (Research Consultant, CAMRI) says disruptive pressures such as blockchain technology are forcing the asset management business to undergo transformational change. 
The Business Times (Saturday, 31 March 2018) 

Behind the cryptocurrency mania, the secret sauce is Bitcoin’s blockchain technology
In a commentary, Visiting Senior Research Fellow Emir Hrnjic (CAMRI) says blockchain technology has revolutionary potential, as it enables the transfer of value from one user to another without the need for an intermediary like a bank. 
Channel NewsAsia (Tuesday, 13 March 2018)
A version of this article also appeared in ThinkBusiness.