The impact of a central bank digital currency on payments at the point of sale https://www.bankofcanada.ca/?p=243208 x Consumer adoption rate x Consumer adoption rate -1.993.25-1.994.77 -1.892.67-1.894.32 -1.792.04-1.793.83 -1.691.37-1.693.30 -1.590.64-1.592.72 -1.489.87-1.492.11 -1.389.03-1.391.45 -1.288.14-1.290.74 -1.187.18-1.189.98 -1.086.15-1.089.17 -0.985.06-0.988.30 -0.883.90-0.887.38 -0.782.67-0.786.39 -0.681.37-0.685.34 -0.579.99-0.584.22 -0.478.56-0.483.04 -0.377.05-0.381.79 -0.275.48-0.280.46 -0.173.85-0.179.07 0.072.150.077.60 0.170.410.176.08 0.268.600.274.49 0.366.750.372.85 0.464.860.471.16 0.562.920.569.42 0.660.950.667.62 0.758.960.765.78 0.856.940.863.87 0.954.900.961.89 1.052.861.059.83 1.150.821.157.73 1.248.781.255.64 1.346.751.353.57 1.444.751.451.54 1.542.761.549.53 1.640.811.647.55 1.738.891.745.59 1.837.011.843.66 1.935.181.941.76 2.033.392.039.89 2.131.652.138.07 2.229.972.236.29 2.328.342.334.55 2.426.772.432.87 2.525.262.531.23 2.623.812.629.65 2.722.412.728.13 2.821.082.826.66 2.919.812.925.24 3.018.603.023.88 3.117.443.122.58 3.216.353.221.33 3.315.303.320.14 3.414.323.419.00 3.513.393.517.92 3.612.503.616.88 3.711.673.715.90 3.810.893.814.97 3.910.153.914.08 4.09.454.013.24 4.18.804.112.44 4.28.194.211.69 4.37.614.310.98 4.47.084.410.31 4.56.574.59.67 4.66.104.69.07 4.75.664.78.51 4.85.254.87.97 4.94.864.97.47 5.04.505.07.00