Luca Nocciola (Directorate General Market Infrastructures and Payments, European Central Bank) and Alejandro Zamora-Pérez (Directorate General Banknotes, European Central Bank) analyse payment survey data to arrive at a framework for understanding the role of adoption frictions and design strategies in shaping CBDC demand.
The results of their analysis
show that, while consumers may initially prefer to use more traditional
payment methods, a design tailored to their
specific needs could significantly increase CBDC uptake. Raising
awareness and capitalising on network effects could also boost demand
for CBDC.
The ECB Research Bulletin features a selection of
recent work on policy-relevant topics by ECB economists. Published on a
monthly basis, the articles in the Research Bulletin are intended for a
general audience. The views expressed in each
article are those of the authors and do not necessarily represent the
views of the European Central Bank and the Eurosystem. (...)
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