[danialtz]

There are different types of CBDCs with various focus areas, e.g. wholesale CBDC (banking innovation, similar to what you mentioned) and Retail CBDC. The CBDC model that is gaining increasing momentum, despite expectations, is the retail CBDC, which due to some form of overlap with banking innovation, retail payment innovation and cryptocurrencies (as the extreme) makes it a hot debate topic. The interesting observation here is that numerous Central Banks are passing the “debate” phase and some already getting ready to release aka “production grade”, e.g. China.