Is there a case for a retail CBDC in Japan?

Central bank digital currencies (CBDCs) are being investigated by around 90% of central banks around the world. Work is at different stages, with some engaging in research, some experimenting with proofs-of-concept and others performing pilots. Perhaps surprisingly, it appears that central banks are researching retail CBDCs more extensively than wholesale CBDCs. Indeed, about 60% of central banks envisage the possibility of issuing retail CBDC in the next one to six years, according to a recent

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Keynote speech by EVP Vestager at the EStALI Conference "State Aid for the really big challenges", Brussels, 22 September 2022.

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