When we think of “electronic payments”, there are a lot of different interpretations: bank cards, credit cards, mobile money, QR codes, and more. Lately, many central banks – including the European Central Bank – have started investigating or piloting digital currencies (CBDC) to introduce yet another way to pay electronically. The wish list for CBDC is long: it should support online & offline payments, work as usual at the point of sale, be accessible to users without bank accounts, ...
