A slight majority of US consumers are “warm” to the idea of a central bank digital currency (CBDC), a new survey finds.

The survey, conducted by the Federal Reserve Bank of Philadelphia, sought to find out what barriers might prevent widespread adoption of a CBDC.

“Widespread consumer adoption will require that the product does not require fees to access or use, be accepted widely in the marketplace, be uncomplicated to adopt, and provides high levels of security and privacy for consumers,” the