Scotiabank Digital Banking Lab

Publications

Infographic - The GENIUS Act: A New Federal Framework for Stablecoins

The GENIUS Act marks a watershed moment in digital finance, establishing the first comprehensive U.S. federal framework for payment stablecoins through a pillar-based regulatory approach that integrates innovation with consumer protection and financial stability.

Infographic - From Libra to Law: Market Shocks, Policy Debate, And the GENIUS Act

An analysis of how major market disruptions shaped the regulatory response to stablecoins, culminating in the U.S. GENIUS Act.

Policy Brief - Canada's Digital Asset Opportunity: Shaping a Strategic Path to Global Leadership

Canada is at a pivotal moment in digital asset development. This report outlines how policy, infrastructure, and financial innovation can position the country as a global leader.

Policy Brief - Breaking out of a Destructive Debt Cycle

Amid economic headwinds, rising consumer debt and record credit card spending highlight household debt as a key vulnerability in the Canadian economy and a growing source of financial concern for consumers.

Research Bite - Canada’s FinTech Landscape: Trends from the Top 150 Companies

A data-driven overview of Canada’s fintech ecosystem, highlighting sector trends, firm dynamics, and emerging areas of growth.

Research Brief - Disruptive Solutions to Disruptive Challenges: Fighting Counterfeit Using Blockchain Technology

Global counterfeit trade disrupts industries worldwide, and this report examines current mitigation strategies, the potential of blockchain solutions, and the role of government in enabling their adoption.

Research Brief - Blockchains, Cryptocurrencies, & NFTs in the Gaming Industry: A tale of two worlds

The gaming industry stands at a crossroads with Web 3.0, as growing momentum toward blockchain adoption signals potential shifts in business models and industry practices.

At the Very Beginning, There’s This Dream.’ The Role of Utopia in the Workings of Local and Cryptocurrencies

Since the 2008 financial crisis, alternative currencies have proliferated, and this chapter examines how differing ideological visions—across local currencies and cryptocurrencies—shape the production, meaning, and regulation of money in contemporary capitalism.