Let me finish with the words of Abraham Lincoln: “The best way to predict the future is to create it.” 1 BIS Papers No 114, Ready, steady, go? – Results of the third BIS survey on central bank digital currencies 3/4  BIS central bankers' speeches  (January 2021).
2 www.bundesbank.de/en/tasks/topics/making-payments-in-2020-the-year-of-covid-19-card-based-and-  contactless-payments-trending-823592 3 www.bis.org/publ/othp33.pdf 4 www.ecb.europa.eu/pub/pdf/other/Report_on_a_digital_euro~4d7268b458.en.pdf 5 www.bis.org/publ/othp33.pdf  4/4  BIS central bankers' speeches