Over the past decade, emerging markets have driven rapid growth in digitalization, fintech, and mobile payments, spurring central banks worldwide to explore Central Bank Digital Currencies (CBDCs). According to the Atlantic Council, over 95% of the global economy is considering CBDCs, with emerging markets leading in pilots and launches.

This book examines digital payments, cryptocurrencies, and CBDCs through global case studies, highlighting economic and social impacts. It reviews both benefits and risks—ranging from innovation and financial inclusion to privacy concerns and central bank control.

Finally, it explores how CBDCs, stablecoins, and digital payment systems could reshape global finance, challenge physical currency, and intensify policy debates over money and sovereignty.