Financial stability seen as top risk from private digital money
Concerns differ somewhat by region
Central banks are most often worried about the financial stability effects of new forms of private digital money, the Fintech Benchmarks 2026 show.
Financial stability is a concern for 79% of 28 benchmark respondents. Cyber security (68%) and crypto scams (64%) are also seen as disturbing effects of private digital money. While liquidity fragmentation (18%) and “other” concerns are the least common worries in the sample, de-dollarisation is not considered a threat anywhere.
Central banks’
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