How has digital technology affected two key aspects of daily life - transport and finance? This report scopes each sector's remaining open questions and sets out policy and regulatory implications for people’s life experiences,

Central banks, above all, are responsible for overseeing financial stability and controlling inflation. This research note suggests that the poor governance arrangements, conflicting goals, grandiose aspirations and distractions, along with the excessive budget and lack of core expertise in key appointments, have created the current mess in the Reserve Bank of New Zealand.

This report recommends the development of a principles-based regulatory framework for digital assets, such as private stablecoins, central bank digital currencies (CBDC), tokens and cryptocurrencies.

This consultation paper examines the regulatory challenges of emerging financial products, with a particular focus on Buy Now, Pay Later (BNPL) and the appropriate regulatory approach to maintain the benefits of accessing credit while ensuring consumers are adequately protected.

This review finds that the Consumer Data Right's (CDR's) statutory framework has so far been broadly effective in supporting the CDR's rollout, is sufficiently flexible and robust to accommodate further changes to achieve policy objectives, and has scope to further explore its limits as the CDR develops.