Journal Article
Banking on Distributed Ledger Technology: Can It Help Banks Address Financial Inclusion?
Maniff, Jesse Leigh; Marsh, W. Blake (2017-07)
Despite its promise, distributed ledger technology is unlikely to draw unbanked consumers into the financial mainstream
Economic Review , Issue Q III , Pages 53-77

Briefing
Inclusion by Design: Crafting a Central Bank Digital Currency to Reach All Americans
Maniff, Jesse Leigh (2020-12-02)
One motivation for a central bank digital currency (CBDC) is financial inclusion—bringing unbanked Americans into the payments system. To meet this goal, a CBDC would have to be designed to meet the specific needs of the diverse unbanked population.
Payments System Research Briefing

Briefing
Motives Matter: Examining Potential Tension in Central Bank Digital Currency Designs
Maniff, Jesse Leigh (2020-07-01)
As a new central bank liability, central bank digital currency (CBDC) has the potential to address various issues within current payments and financial systems. The motivation behind a CBDC will determine how it is designed; a CBDC designed to achieve one goal, such as broader financial inclusion, may have difficulty achieving other objectives.
Payments System Research Briefing