Central bank money has “finality” in the sense that people no longer have to worry about “payment unwinding” or “the issuer’s credit risk.” Formerly, the central bank provided central bank money solely through paper-based and printing-related technologies such as banknotes and paper-based ledgers.
With the development of the economy, the central bank has adopted newer technologies, improved its own infrastructure and continuously provided advanced infrastructure such as electronic-based wholesale RTGS systems. If the central bank had rejected digital technologies and only provided banknotes as payment instruments with finality, 5/7  BIS central bankers' speeches  then economic development would have been substantially constrained.