Deposit insurers operate within an ever-evolving global financial system. This Policy Brief offers an overview of five emerging issues that are expected to significantly affect the activities of deposit insurers in the near future – climate change, utilisation of financial technology...

Whereas research regarding the impact of climate change on the global financial system is ever growing, the impact of climate change and risks related therewith on deposit insurance has remained largely undealt with in literature. As global financial standard-setters have set the treatment of...

IADI Guidance in place recommends a review of deposit insurance coverage levels more frequently than every five years if consumer price inflation is high. This review may not necessarily lead to a change of coverage levels. Although data availability on this topic is very limited, we find:•On...

This report explores some of the key dynamics in deposit insurance systems around the world in the past year and identifies five key issues which are expected to significantly affect the activities of deposit insurers in the near future

The IADI Deposit Insurance report intends to provide, on a yearly basis, an overview of global trends in deposit insurance and investigate key emerging issues. This Report was edited by Bert Van Roosebeke and Ryan Defina of the IADI Secretariat Research Unit. IADI has identified the following...

Understanding and managing the risks associated with COVID-19 is a priority area of concern for deposit insurers on a global basis. This paper investigates quarterly growth rates of covered deposits and finds statistically significant evidence that during the first six quarters of the pandemic,...

Using IADI Annual Survey data, we find some evidence that deposit insurers in jurisdictions with particularly high deposit inflow during the pandemic tend to see their relative fund size1 decrease i.e. their absolute fund size grew at a slower pace than deposits. As this refers to annual data,...

The recent emergence of inflationary pressures across the globe has presented an additional consideration for deposit insurers. This Policy Brief considers how inflation may impact on two key concepts of deposit insurance: coverage levels and coverage ratios.We introduce the concept of “real...

E-money is widespread in Kenya, especially through M-Pesa, a form of e-money stored on mobile phones and issued by Safaricom, a mobile network operator. Integration between M-Pesa and the traditional banking system is increasing. Given very high use-grade of M-Pesa throughout the population, is...

A growing number of central banks are considering the issuance of central bank digital currencies (CBDCs). Upon their introduction and depending on their exact design, CBDCs may have considerable consequences for deposit insurers as well. In the first of a set of papers, this Fintech Brief sets...