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Smart money

The EPSRC funded Smart Money project investigates the personal data management, governance, risk and utility challenges concerned with how central banks and other stakeholders such as Other Government Departments (OGDs), financial institutions and citizens can make effective use of Distributed Ledger (DL) enabled Central Bank issued Digital Currencies (CBDCs). Central to this research is a responsible governance framework which uses smart contracts to manage and police access rights to payment transaction metadata and linked data sets held on the DL for all certified and warranted stakeholders.

The project delivers a Smart Money Governance Architecture which covers stakeholders such as the Bank of England, the HM Treasury, OGDs, financial institutions, service providers, businesses and citizens. Using smart contracts, stakeholders will be allowed permissioned access to the transactional data on a ledger.


Lewis, M. and Perry, MJ. (2019) 'Follow the Money: Managing Personal Finance Digitally.'.ACM Conference on Computer-Human Interaction. Glasgow, UK. 4 - 9 May. ACM. pp. 390 - 390.

Ferreira, J. and Perry, MJ. (2019) 'From Transactions to Interactions: Social Considerations for Digital Money', in Lynn., Mooney., Rosati. and Cummins. (eds.) Disrupting Finance: FinTech and Strategy in the 21st Century. Palgrave Pivot. pp. 121 - 133. ISBN 10: 303002329X. ISBN 13: 9783030023294.


Perry, M. and Ferreira, J. (2018) 'Moneywork: Practices of Use and Social Interaction around Digital and Analog Money'. ACM Transactions on Computer-Human Interaction, 24 (6). pp. 1 - 32. ISSN: 1073-0516

Perry, M. (2017) 'Designing interactions with digital money'. ACM Interactions, 24 (6). pp. 34 - 37. ISSN: 1072-5520

Meet the Principal Investigator(s) for the project

Professor Panos Louvieris
Professor Panos Louvieris - Panos Louvieris is Professor of Information Systems and leads the Defence & Cyber Security (DCS) research group in the Department of Computer Science at Brunel University London and co-director of the Brunel Intelligent Digital Economy and Society (IDEAS) Research Centre. His research interests are data and information fusion, defence and cyber security analytics, and computational finance in the digital economy. He is co-director of the Trusted Open Models Institute (TOMI) at the Hartree Centre concerning the assurance of AI computational models. He is a committee member of the EPSRC Digital Personhood Network. In addition, he is a member of EPSRC ITaaU+ Network and NEMODE+ Network. 

Partnering with confidence

Organisations interested in our research can partner with us with confidence backed by an external and independent benchmark: The Knowledge Exchange Framework. Read more.

Project last modified 21/11/2023