And when it comes to the customer relationship, private actors can leverage their vast experience at the front end and their innovative power by providing the digital wallets needed to store a CBDC, for example. Central banks, on the other hand, could focus on what we do best already: providing a well-functioning back-end infrastructure.
However, it is clear that central banks should not have access to personal data so as to safeguard privacy. At the same time, we are  3/4  BIS - Central bankers' speeches  doing our utmost to keep potential risks in check.