Do you believe the invention of digital currencies will have an impact on the financial industry? What will some of these impacts be? Are most of them positive or negative Digital currencies and crypto-currencies are entirely different; national currencies have been almost entirely digital since the late 1950s.

What is supposed to be the point to CBDCs according to the banks themselves? How do central banks think that they can displace private cryptos with central bank crypto-issues? Do we actually want that to happen?