The interim operation, privacy and infrastructure are still obstacles to CBDC accreditation for retail, and a survey conducted by Globaldata.

The Central Bank's digital currencies are still a difficult sale, even when they are officially launched. The latest Globaldata player Survey report It reveals that for consumers in many countries, Cbdcs Just do not offer enough to make a familiar payment methods, as the state -backed digital currencies are struggling with the lack of user incentives, privacy concerns, and technological challenges.

"The absorption is very limited by CBDC in the fully launched countries - in the Bahamas, Jamaica, the Eastern Caribbean Union, and Nigeria - can be attributed to the lack of convincing incentives in favor of consumers to switch to CBDCs One of the ways they are already used to.

Comfort and habit also play a big role in how people choose to pay. According to Globaldata, CBDCS has not yet provided enough benefits to make it a better option. In fact, in places with active CBDC programs, users complained that new systems make payments more complicated without "providing enough advantages".

For central banks, the challenge is not just a technical. Szalay says that access to adoption on a large scale is very important to achieve the benefits that CBDCS is supposed to bring, such as "border payment competencies, promotion of financial inclusion, and recent financial and monetary stability."

As of September 2024, a a report The Atlantic Ocean Council revealed that 134 countries, which represent 98 % of the global economy, were exploring the Convention on Biological Diversity. More than 65 countries, including India, Australia and Brazil, are in advanced stages of development, experimentation or launching their CBDC projects. All G20 countries are now actively realized in their digital currencies, with 19 in advanced stages of exploration.