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README.md
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license: mit
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---
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license: mit
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language:
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- en
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metrics:
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- accuracy
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- f1
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base_model:
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- bilalzafar/CentralBank-BERT
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pipeline_tag: text-classification
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library_name: transformers
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---
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# CBDC-Discourse
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`CBDC-Discourse` is a **BERT-based sentence classifier** fine-tuned to categorize central bank digital currency (CBDC) discourse into three conceptually distinct classes: **Feature, Risk-Benefit, and Process**.
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This model enables structured analysis of CBDC-related policy and research texts by separating **design attributes**, **evaluative outcomes**, and **procedural activities**.
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| Class | Description |
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| ---------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
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| **Feature** | A sentence that specifies a **concrete design element or operational mechanism** of CBDC. Examples include: wallet/card modality; programmability/smart contracts; privacy model; interoperability requirements; legal tender status; distribution via intermediaries; holding limits/caps; interest-bearing/remuneration (incl. negative rates); rulebook/scheme rules; settlement architecture (DLT/RPS/RTGS links). |
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| **Risk-Benefit** | A sentence that asserts or implies **outcomes, effects, or trade-offs** (positive or negative) from a CBDC feature or its introduction, including policy/equilibrium impacts. Examples include: faster/cheaper/more transparent cross-border payments; financial inclusion; regional cooperation; competition/innovation; sovereignty/autonomy; efficiency/productivity gains. Also, negative concerns such as bank disintermediation; cyber/operational risk; crisis flight from deposits; privacy harms; monetary/fiscal dominance concerns; “too successful” crowd-out; legal/regulatory fragility. |
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| **Process** | A sentence about **research, consultations, pilots, governance, timeline, or agenda-setting**, without specifying a concrete feature or claiming effects/trade-offs. Examples include: public consultations; surveys/focus groups; task forces; phases (investigation/preparation/pilot); rulebook drafting as an activity (absent specifics); reports/citations; statements of interest/attention; open questions; goal/timeline setting (e.g., “medium-term goal”). |
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## Base Model
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This classifier is built on top of [`bilalzafar/CentralBank-BERT`](https://huggingface.co/bilalzafar/CentralBank-BERT), a **domain-adapted BERT model** pretrained on over **2 million sentences (\~66M tokens)** from **BIS central bank speeches (1996–2024)**.
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CentralBank-BERT provides deep contextual understanding of **monetary policy, financial regulation, and central banking discourse**, making it an optimal foundation for downstream CBDC-related text classification.
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