2 However, when considering digital currencies, it should be remembered that riches did not come easily during the gold rush, and they will not come easily now. A central bank digital currency would be attractive to us if it could improve our currency distribution, payments efficiency and monetary or financial stability.
But these benefits are by no means guaranteed, and could come at some cost. We must explore both the pros and the cons before deciding to issue digital currency of our own to the public. Many other central banks are doing the same. So that is what I will do today.