Full Reference
Bech, Morten L.; Garrat, Rodney. “Central Bank Digital Currencies”. Bank for International Settlements. (September 2017). https://www.bis.org/publ/qtrpdf/r_qt1709f.htm
Bech, Morten L.; Garrat, Rodney. “Central Bank Digital Currencies”. Bank for International Settlements. (September 2017). https://www.bis.org/publ/qtrpdf/r_qt1709f.htm