We want to make sure society remains inclusive. This requires us to look at digital 1/8  BIS central bankers' speeches  transformation from the citizens’ point of view. Therefore, we have to identify what is real and what is hype.
We can divide the developments in three categories: 1. those that clearly increase societal welfare and should be benefitted from, such as mobile and real-time payments – as long as we also take care of enhancing financial literacy; 2. those that should be watched, or even prevented, such as booms and busts related to crypto-assets; and 3. those that can be further developed, such as machine learning and artificial intelligence.