When central bank are designing digital currencies they should make it as easy as possible for consumers to adopt them, research from the European Central Bank (ECB) says.

The paper, published on September 18, argues that central banks should learn from the attributes that make consumers use cash or payment cards.

Authors Luca Nocciola and Alejandro Zamora-Pérez say that when consumers choose cash to make payments, they do so in order to keep track of expenses and preserve their privacy. When they

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