This paper’s goal is to pinpoint potential public dangers that can endanger the implementation of central bank digital currencies and provide remedies that could lessen the difficulties. To accomplish the goals of this study, the researcher employed a survey research design with descriptive statistics. The survey found that a large number of individuals are unaware about Nigeria’s Central Bank Digital Currency. Some people don’t even know if the Nigerian Central Bank Digital Currency (e-Naira) is widely acknowledged as a means of exchange, let alone what it may be used for. This demonstrates how little some individuals know about the Central Bank Digital Currency, despite the apex bank’s efforts to raise awareness of the cashless policy. Since many individuals are unaware about the Central Bank of Nigeria’s Digital Currency, the research suggested that the Central Bank of Nigeria start a public awareness campaign and sensitize the public. People would have the impression that the apex bank takes digital currency seriously if this is done. Additionally, e-Naira should be promoted as a widely accepted form of payment, particularly among market women who might not be aware of its worth.

Keywords: Human-Centric, Implications, Central Bank Digital Currency, Acceptable Level,

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