Richard Turrin is the international best-selling author of "Cashless: China's Digital Currency Revolution".  He is a top global fintech influencer, previously heading fintech teams at IBM.  A former investment banker of 20 years, he is an expert on finance, technology and AI.  Today we discuss the digital yuan (CBDC).  We talk about data and privacy, the disturbing truth of credit card networks, financial inclusion, crypto currency, tech companies, payment apps, programmable money and social credit in the US and China.

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