CBDC: the case for ‘wait and see’


In an age when bitcoin ads run on buses, it is unsurprising that central banks have taken an interest in digital currency. Central Banking’s Fintech & IT Benchmarks 2021 report found that all but three of 31 participants supplying data were at least researching a central bank digital currency (CBDC). Last year, the Bank for International Settlements found that 86% of central banks it surveyed in 2020 had embarked on some sort of CBDC work.

But even as several of the world’s most important

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