I want to conclude emphasizing that the cornerstone for a healthy payment ecosystem is a safe and robust infrastructure for low, medium and large value payments, with 24/7 services, 3/4  BIS central bankers' speeches  extremely high levels of availability and capable of acting as a hub for the innovation of payment services to final users.
Developing this public infrastructure should be at the top of the local and international agenda since payment systems are inherent to central bankers as the provision of money. Thus, providing the latest technology and, eventually, CBDCs, are of utmost importance for central banks.