Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/264833 
Year of Publication: 
2022
Series/Report no.: 
Working Paper No. 241
Publisher: 
Oesterreichische Nationalbank (OeNB), Vienna
Abstract: 
The ongoing initiatives to offer central bank money to consumers in the form of retail central bank digital currency (CBDC) have triggered discussions on its optimal design. So far, the perspective of potential users has not been considered widely. To strengthen this perspective, we survey 2006 Austrian residents using a tailored questionnaire on payment preferences, attitudes towards a digital euro, selected technical features as well as potential security and privacy concerns. We find that the respondents are satisfied with the existing payment options. Only about half of the surveyed express at least some interest in a digital euro. About one half of those expects personal advantages. Central banks are advised to embrace a more user-centric design of CBDC, which must include communicating the key concepts and benefits to the potential users.
Subjects: 
central bank digital currencies
central bank money
retail payments
JEL: 
D14
E42
E51
E52
Document Type: 
Working Paper

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