Dr Monica Vessio

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About me

I am Associate Lecturer at UWE in the Department of Law, and Research Associate at the Centre for Banking Law at the University of Johannesburg. I hold the degrees BA & LLB  from Rhodes University and LLM (cum laude) & LLD from the University of Pretoria.

After practising as a commercial attorney for over 12 years, I returned to academia at the University of Johannesburg where I was Module Lead for the LLM in credit law. In August 2019, my family and I emigrated to the United Kingdom, and I joined the University of the West of England in November 2019, where I am also involved in the Global Crime, Justice and Security Research Group. I have published widely in peer-reviewed journals and I am the co-author and co-editor for Banking Law and Practice (periodical/LexisNexis).

I have provided consultancy services for one of the big five banks in South Africa and most recently was funded by Momentum Metropolitan Holdings Limited to provide research on how the in duplum rule affects lump-sum loans (PI, £28,000).

I presented seminars for the Black Lawyers Association (BLA) on Banking law, Consumer Law and Commercial Leases from 2012-2017 in their centres in Cape Town, Johannesburg, Durban, Port Elizabeth and Limpopo. I have conducted internal training for industry stakeholders, including for the Credit Ombudsman. I have presented at conferences, including at the Consumer Goods Council and the Banking Law Conference of 2018 hosted by the Banking Ombudsman. In 2019 I was invited to guest lecture at Católica University in Portugal on aspects of international comparative banking law. 

While my broad area of interest is banking law, my contemporary focus is on digital currencies (virtual assets, stablecoins and CBDCs) and smartcontracts with a keen interest on the inevitable changes, on the payment system and the fiscal and monetary policy aspects, that these new payment forms will bring. 

I engage in consultancy and legal opinion drafting for industry.

I am presently teaching in the areas of contract and commercial law and am supervising several students reading towards their LLM degree.

Area of expertise

CBDC, Stablecoin, in duplum, Consumer Credit


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