Publications

A comprehensive list of my published work.

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  1. Hlophe, N. (2025). Market Study: Decentralised Finance in South Africa, FSCA.

  2. Hlophe, N. (2025). Decentralised finance and data privacy: what’s the story?, Intergovernmental Fintech Working Group.

  3. Hlophe, N. (2024). You are the training data, Digital Banker Africa

  4. Hlophe, N. (2024). AI and Blockchain: Shaping the Next Generation of Finance, Intergovernmental Fintech Working Group.

  5. Hlophe, N. (2024). Careful with my data!, Business Times.

  6. Hlophe, N. (2024). The Future of Finance: The Synergy Between Quantum Machine Learning and Artificial Intelligence, Intergovernmental Fintech Working Group.

  7. Hlophe, N. (2024). Artificial Intelligence in the Financial Sector and Emerging Consumer Protection Concerns, Financial Sector Conduct Authority.

  8. Hlophe, N. (2024). Decentralised Finance Presentation and Panel Discussion, Financial Sector Conduct Authority.

  9. Hlophe, N. and Sabilika, K. (2024). The Nexus Between Generative AI and Open Finance: The Next Frontier in Financial Innovation, Intergovernmental Fintech Working Group.

  10. Hlophe, N. (2023). Medium Publications.

  11. Hlophe, N. (2022). I am not Data. How can Low-and-Middle Income Economies Develop Effective Data Privacy and Protection Laws in the Digital Age?, Digital Banker Africa.

  12. Hlophe, N. (2022). Big Data Analytics Workshop 2022 – Summary | Résumé, Digital Frontiers Institute.

  13. Hlophe, N. (2022). Blockchain and the future of finance, Digital Frontiers Institute.

  14. Hlophe, N. (2021). Capacity Building for the Central Bank Digital Currency Journey in Emerging Market and Developing Economies, Central Bank Payments News.

  15. Hlophe, N. (2021). Summary of CBDC Workshop | Emerging Market and Developing Economies, Digital Frontiers Institute.

  16. Hlophe, N. (2021). A Framework for Effective Supervision for Inclusive DFS, Digital Frontiers Institute.

  17. Hlophe, N. (2021). Is Capacity Building a Necessary Requirement for Enhanced and Forward-Looking Regulatory Change?, Digital Banker Africa.

  18. Hlophe, N. (2021). Regulatory Influence: The Imperative for Sustainability Through Innovation in Emerging Markets, RegTech Africa.

  19. Cenfri & Central Bank of Eswatini (2020). Eswatini CBDC Diagnostic Study: Phase 1 findings, Cenfri & Central Bank of Eswatini.

  20. Cooper, B.; Perez, L.; Esser, A.; Hlophe, N.; Ferreira, M.; Janse van Vuuren, P. (2019). Diagnostic study of the Zambian payments system, Cenfri.

  21. Cooper, B.; Perez, L.; Esser, A.; Allen, M.; Hlophe, N.; Ferreira, M. (2019). An analysis of ID proxy initiatives across the globe, Cenfri.

  22. Hlophe, N. (2019). RegTech: how it works, its applications and how it benefits regulators, Central Bank of Eswatini.

  23. Hlophe, N. (2018). Does financial development mean financial inclusion?, African Review of Economics and Finance, 10(2), pp. 120-133.

  24. Hlophe, N. (2017). 'We cannot breathe! We want to breathe': An analysis of the student protest movement in South Africa, 2015-2016., Journal of African Political Economy, Vol. 44, No. 153, pp. 1-15.