Full Reference
Kaushik, Aayushi; Wyatt, Joseph; Xi, Tianyang. “Central Bank Digital Currency (CBDC) and Privacy”. MIT Sloan School of Management (January 2020). https://static1.squarespace.com/static/59aae5e9a803bb10bedeb03e/t/5fa331ce0a332c16b04fa995/1604530638707/WG19-20CBDCandPrivacyComplete.pdf