EDITORS NOTE

In this edition guest editor Ruth Wandhöfer and David Birch are going deep into everything ‘digital’! With all the stuff going on around us – the pandemic being the biggest force of change – digital is being accelerated, implemented and embedded in almost all aspects of our life.

An obvious change that many have had to adapt to is, of course, money, which is no longer accepted in some shops as physical cash notes and coins (at least not in the UK). This is where our cover story begins, with a focus on central bank digital currencies (CBDCs), a big topic that, depending on implementation, has the potential to not only redefine how we consumers use money but also how banks manage the payments and money space.

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