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Central Bank Digital Currencies 2026: Banking Disruption, Deposit Migration & Liquidity Risk.
This report explores the potential disruptions that Central Bank Digital Currencies (CBDCs) may cause to the banking sector by 2026. It examines the implications of CBDC adoption on deposit migration, liquidity risk, and banking stability. The analysis covers various technological, regulatory, and macro-financial perspectives, focusing on the outcomes for different geographic regions and types of banking systems. The report also provides an outlook on CBDC adoption trajectories, technological convergence, and strategic implications for financial institutions.
Banking DisruptionCBDCFinancial System TransformationMonetary Policy TechnologyRisk Liquidity Migration
Raghu Maneti, Ghost Research
2026-02-24
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100Pages of Deep Analysis
87Credible Sources Referenced
8Data Analysis Tables
7Proprietary AI Visuals

Raghu Maneti
19+ Years of Experience
Sectors & Industries
Consumer StaplesFinancialsMaterials
+1
Functions & Expertise
analysisData Researchand Management; Industry
C
Perspective.
PurposeTo analyze potential banking disruptions and risks posed by CBDC adoption by 2026.
AudienceBanking and financial sector professionals, policymakers, and researchers.
Report LengthComprehensive
Focus Areas.
Industries JobsBanking, finance, digital currencies
Geographic AreasGlobal scope with emphasis on advanced economies
Special EmphasisInnovation in digital currencies, regulatory considerations
Report Layout.
Global CBDC Landscape 2026 – Overview
- Updated CBDC definitions
- Evolution timeline
- Current global status
- Regional adoption trends
Technology Architecture & Infrastructure
- Centralized ledger vs permissioned DLT

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Insights.
CBDCs could cause rapid deposit migration.Wholesale CBDCs progress faster than retail.CBDC adoption requires technological upgrades.Monetary implications involve policy adaptation.Financial institutions must prepare for liquidity risks.Key Questions Answered.