Article Series: CBDCs: Should the end-user shape the future of money?

As part of our ADGMA Research Centre Insights Series, we are publishing adapted articles from amongst our strategic collaborators. This article is republished with the kind permission of FNA. Carlos León, Director of FMIs & Digital Currency Solutions at FNA, shares his thoughts on retail central bank digital currencies (CBDCs) and suggests that end-user’s needs and capabilities be kept firmly in mind. The modelling and design of a CBDC as a new form of money should implement a user-centric approach.