In an increasingly digitalised society, a debate has arisen about whether the central bank needs to issue money to the public and in digital form. A retail CBDC (central bank digital currency) is a digital form of central bank money that is available to the public. It is a completely new type of money: a digital representation of central bank money aimed at the public. No advanced economy has yet issued a retail CBDC, but there are several countries exploring the idea.^[100] Three countries (Bahamas, Jamaica and Nigeria) have launched a retail CBDC. Several other countries (e.g. China, Ghana, India, Kazakhstan and Turkey) have implemented pilot projects. See Financial Integrity Implications of Retail Central Bank Digital Currencies (rCBDCs) (IMF). In Europe, there is extensive work on a digital euro in the euro area and a digital pound in the United Kingdom. In Sweden, the Riksbank previously explored the idea and technology of an e-krona (see section “New forms of money are being developed”).