It’s a fine day today. You need to wrap up a few trivial tasks at home and pay a couple of bills online. Sounds simple, right? Well, not exactly. As much as we adore digital payments, including NEFTs, UPI transactions, and more, the concept is inherently hinged on the existing banking hierarchy. While in most cases, the bills are paid out instantly, the concerned banks working behind the scenes do need to exchange information back and forth to make the transaction successful. And a server issue or two only makes things worse, doesn’t it? In comes CBDC (Central Bank Digital Currency) and speculations concerning its nationwide adoption! And leading Indian…