Germany has, in the past, had bad experiences with central banks which were not free of political lobbying. For example, expenditure on arms in the First World War was financed directly by the central bank, which essentially catered to the needs of the government. The consequence was a complete devaluation of the Reichsmark. By contrast, the independence of the Eurosystem was firmly anchored.
In all these digital initiatives, the plan should also factor in those sets of customers who may not be digitally savvy and who may want to engage physically with the bank. It is, therefore, crucial that while driving various tech-enabled initiatives, the existing systems and processes do not see frequent disruptions and non-availability.