A thought leadership series on the future of finance and regulation
From breakthrough innovations to regulatory rethinks, this series features long- and short-form pieces by CCAF staff, fellows, and research affiliates – writing in a personal capacity.
Articles explore the fast-evolving intersections of financial innovation, market structure, policy and regulation, and the shifting systems that connect them. Views expressed are those of the authors and do not necessarily reflect those of the Cambridge Centre for Alternative Finance.
Explore the series
Finance and accounting
Integrated digital finance regulation: lessons from Kigali
Fragmentation between data protection and financial regulatory frameworks is increasing compliance burdens and slowing the development of safe, data-driven financial services. Learn what joined-up oversight would look like in practice.
Finance and accounting
Where AI meets blockchain: assets, agents and blind spots
An analysis of AI and blockchain convergence, covering compute infrastructure, crypto assets, autonomous agents and emerging policy challenges by Wenbin Wu, Research Associate at the Cambridge Centre for Alternative Finance.
Finance and accounting
Crypto privacy after sanctions – the return of coin mixers
Crypto mixers are back but different, say Wenbin Wu and Keith Bear from the Cambridge Centre for Alternative Finance (CCAF), Cambridge Judge Business School. After 2022 sanctions scattered the market, compliant privacy protocols now dominate.
Industry leaders face a choice: act now or risk the integrity of blockchain-based markets and digital currencies, says Wenbin Wu, Research Associate at the Cambridge Centre for Alternative Finance (CCAF), Cambridge Judge Business School. Here we reveal regulators’ and policymakers’ bridging roles for quantum-resilient blockchains, and the importance of collaboration by technologists, economists, and regulators in the quantum age of financial technology.
AI and technology
How can AI in finance realise its full potential?
Kieran Garvey, AI Research Lead at the Cambridge Centre for Alternative Finance (CCAF), and Bryan Zhang, Co-Founder and Executive Director of CCAF, explore why banks struggle to turn AI efficiency into growth.
AI and technology
Innovation to impact: technology, governance and regulation
As governments worldwide grapple with the accelerating pace of technological change, the central challenge is no longer technical but institutional: how to translate digital innovation into citizen-first outcomes at scale. The obstacles lie in execution – requiring effective governance, adaptive regulation, and institutional transformation. In this piece, Carlos Montes (Lead – Cambridge Innovation Hub for Prosperity), Montek Singh Ahluwalia (citizen-first public servant and economic reformer), and Pavle Avramovic (Head of Market and Infrastructure Observatory at the CCAF), examine how public institutions can move from policy ambition to real-world impact by building innovation-ready systems that prioritise citizens over processes