Technology, Regulation, and the Divergent Trajectories of Retail and Cross-Border Central Bank Digital Currency
A Scopus bibliometric search conducted on 8 October 2026 retrieved 1,418 records, from which 1,045 were retained for critical analysis.
Product · BA · 5 documents
A Scopus bibliometric search conducted on 8 October 2026 retrieved 1,418 records, from which 1,045 were retained for critical analysis.
In Nigeria, 98.5 percent of eNaira wallets remained unused one year after launch.
Financial inclusion is a top priority, with about 60 percent of emerging and low-income countries considering it one of their top three motivations for issuing a retail CBDC.
Central banks must develop a long-term vision for monetary and payment systems spanning a time horizon of at least 5 to 10 years as economic digitalization accelerates.
In late 2021, the Central Bank of The Bahamas recorded around 20,000 active Sand Dollar wallets within a population of about 400,000.