Verkkoadvocates for a digital dollar in the u. s. Point to many possible benefits of such a currency, saying it would lead to greater financial inclusion, allow. Verkkocentral banks are rolling up their sleeves and familiarizing themselves with the bits and bytes of digital money. These are still early days for cbdcs and we don’t quite know how far and how fast they will go. Digital forms of payment are either not accessible or highly costly for unbanked consumers. This is because these forms of payment must be. Verkkothe analysis in this paper focuses on providing a deeper understanding of the policies and practices adopted by developing economies in the. Verkkothe federal reserve is engaged in a number of experiments related to digital currencies, including a hypothetical cbdc. These experiments enrich the.