In view of this, I would like to raise the following points: We need to be clear about what we would like to achieve. Form follows function. Many observers equate CBDC with distributed ledger technology. That is, in my view, not necessarily the case, depending on the objectives we would like to achieve.
Indeed, one added value compared to existing payment products would be to allow programmable payments. That should be an integral part of our thinking. In that respect, we also need to consider quick wins like trigger solutions, which combine the processing in DLT-based infrastructures with payments in conventional systems.