Over the past decade, digitalization and financial technology have transformed global economies—especially in emerging markets. This book explores the rapid rise of digital payments, cryptocurrencies, and Central Bank Digital Currencies (CBDCs), offering case studies from around the world. It examines the opportunities, challenges, and policy debates surrounding these innovations, from privacy concerns to shifts in global financial power. As nations experiment with CBDCs and digital finance, this book provides an essential guide to understanding the future of money.
