📉 Central banks will face a number of unusual and unconventional challenges in creating an accessible CBDC. The Bank of Canada report states that to create a universally accessible payment option, three dimensions of accessibility must be considered: financial inclusion, digital inclusion and practical accessibility.

-Private financial institutions may not have incentives to meet the needs of underserved groups.

- If all three aspects of accessibility are not addressed, people who have difficulty in one of them may face the same problems when implementing a CBD.

“Overcoming these challenges will require central banks to address issues that are typically considered outside their purview.