Industry Insights: Panel Discussion: “Can We Expect the Digital Programmable Euro in 2022?“

Industry Insights: Panel Discussion: “Can We Expect the Digital Programmable Euro in 2022?“

Industry Insights: Panel Discussion: “Can We Expect the Digital Programmable Euro in 2022?”

When we talk about the digital Euro, most people think of the public digital Euro from the ECB, but there is also the private digital euro. The two concepts approach two different target groups – CBDCs will target the citizens with a substitute for cash and tokenized commercial bank money could be a DLT-based solution for the industry. In this panel, Prof. Dr. Philipp Sandner (Frankfurt School Blockchain Center), Manuel Klein (EY), Jonas Gross (Digital Euro Association), Alexander Bechtel (Deutsche Bank) and Lena Grale (Digital Euro Association) talk about the many use cases of the digital Euro in the future.

Watch this video on YouTube (ca. 22 min.).

About the lecturers

Prof. Dr. Philipp Sandner has founded the Frankfurt School Blockchain Center (FSBC). In 2018 and 2019, he was ranked as one of the “top 30” economists by the Frankfurter Allgemeine Zeitung (FAZ), a major newspaper in Germany. Further, he belonged to the “Top 40 under 40” — a ranking by the German business magazine Capital. Since 2017, he is a member of the fintech Council of the Federal Ministry of Finance in Germany. The expertise of Prof. Sandner includes blockchain technology in general, crypto-assets such as Bitcoin and Ethereum, the digital programmable Euro, tokenization of assets and rights, and digital identity. You can contact him via mail (, or LinkedIn and Twitter

LinkedIn profile of Prof. Dr. Philipp Sandner

Manuel Klein is a Senior Consultant for Blockchain Technology at EY to work on the third industrial revolution and the decentralization of the economy. Manuel holds a Master's degree in Finance and Strategy.

LinkedIn profile of Manuel Klein

Jonas Gross is a project manager at the Frankfurt School Blockchain Center and a research assistant at the University of Bayreuth. His research focuses primarily on central bank digital currencies (CBDC) and stablecoins.

LinkedIn profile of Jonas Gross

Alexander Bechtel is an expert in monetary economics and works for Deutsche Bank. Furthermore, he is a Ph.D. candidate at the University of St. Gallen, Switzerland. His research focuses on monetary economics, money markets, digital currencies, and safe assets. Since June 2019, he is publishing a podcast on digital currencies called Bitcoin, Fiat & Rock’n’Roll (in German).

LinkedIn profile of Alexander Bechtel

Lena Grale holds a degree in Business Administration with focus on Management, Philosophy, and Economics (B.Sc.) from Frankfurt School of Finance & Management. She is a founding member and treasurer of the Digital Euro Association, a think tank specializing in central bank digital currencies (CBDCs), stablecoins, crypto assets, and other forms of digital money. Lena also works for the Association of German Banks in the department for digitalization.

LinkedIn profile of Lena Grale


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