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#Digital Currency Ecosystem

Why everyone benefits from CBDCs

7 Mins.

Central banks around the world are researching the potential of CBDCs. It’s an evolution of cash that could benefit all segments of society and businesses and drive digital innovation.

Around the world today, an estimated one in five people still has no direct engagement with the financial system. We’ve examined the potential of CBDCs on driving financial inclusion in a previous article, and the benefits for those without bank accounts would be significant. It is undeniable that our world is becoming increasingly digital, and for the unbanked or for people in rural areas it is ever more difficult to participate in the digital economy. CBDCs provide a gateway to a variety of digital services, for many different people.

At the same time, CBDCs have the potential to benefit people already familiar with digital payments and digital currencies. CBDCs are stable and more resilient when compared with crypto, with the potential to offer greater opportunities. G+D’s Managing Director Central Bank Digital Currencies Raoul Herborg notes that “the possibility of innovation could lead to economic growth,” with the potential to develop new business models.

How people would benefit from CBDCs

Three animations demonstrate the potential of central bank digital currencies – how they can support financial access and create brand-new opportunities for innovation. With these three use cases, we examine how CBDCs can be used by three very diverse target groups – and demonstrate why all of us need digital cash.

The benefits of CBDCs for the unbanked:


The benefits of CBDCs for the tech-savvy:


The benefits of CBDCs for IoT payments:

“CBDCs offer so much potential. They support financial inclusion, they offer opportunities for new business models and value-added services and provide an easy-to-use digital payments solution for everyone, anywhere, anytime“
Dr. Raoul Herborg
Managing Director Central Bank Digital Currencies, G+D

Published: 21/09/2022

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