What can central bank digital currency designers learn from asking potential users?
summary
A representative survey of 2006 Austrian residents using computer‑assisted telephone and web interviews measures preferences for a retail CBDC and finds only about 50% express interest and just 20% see a personal benefit. Respondents favor account‑based access over token recovery, value strong fraud security and recoverability above transaction privacy, prefer offline capability to person‑to‑person payments, and cryptocurrency owners are distinct in wanting untraceable transactions.
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chapters (9)
- 0:00CBDC user study intro
- 1:37Study design Austria
- 3:03Survey structure consumer types
- 5:30Cash and digital Euro interest
- 7:18Access models and privacy
- 9:07Offline and P2P payments
- 10:10Security privacy traceability
- 11:15User disconnect and design needs
- 12:41Impact on CBDC policy
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