The Latest on CBDCs and Digital ID, Ep #73

The Latest on CBDCs and Digital ID, Ep #73

From UPTHINKING FINANCE by Emerson Fersch

August 15, 2025 · 49 min · Episode 73

About this episode

Melissa Ciummei joins Emerson Fersch to discuss the implications of Central Bank Digital Currencies and Digital IDs on the economy and society.

Upthinking Finance™ is now trademarked Melissa Ciummei, an independent investor and researcher in Northern Ireland, joins us on Upthinking Finance™ to take a global look at the rapidly evolving world of digital currencies, digital IDs, and the shifting economic landscape. We discuss the push for Central Bank Digital Currencies (CBDCs) in the EU, UK, and US, explaining how digital identity is becoming an essential precursor for programmable money and increased financial oversight. The discussion digs into the societal impacts of these technologies, exploring everything from privacy concerns and geopolitical pressures to generational shifts in values and the consequences of ever-growing inequality. Whether you’re curious about the politicized rollouts of stablecoins, the quiet move toward digital surveillance, or you want to understand how new technologies are reshaping money, this episode gives you a nuanced perspective on the future of finance and the growing importance of community involvement in shaping that future. Join us for an eye-opening conversation that connects the dots between economic policy, digital innovation, and the real-life consequences for individuals and…

People in this episode

Host: Emerson Fersch

Guest: Melissa Ciummei

Topics covered

  • Central Bank Digital Currencies
  • Digital Identity
  • Economic Policy
  • Privacy Concerns
  • Geopolitical Pressures
  • Financial Oversight

Keywords

  • CBDCs
  • Digital ID
  • financial oversight
  • privacy concerns
  • geopolitical tensions
  • economic inequality
  • stablecoins
  • digital surveillance

Mentioned in this episode

Organizations: Upthinking Finance

Places: EU, UK, US, Northern Ireland

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