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" ... While the report lacks a clear orientation on this regard, the ECB is at least aware of this: The report states that “[c]ommunication with prospective end users and with the supervised intermediaries that could be involved in the provision of services is crucial to assess the actual business case for issuance” (p.45). It is crucial to have the end users in mind who should in several years use the digital euro. Until mid-2021, the ECB will be conducting a consultation process to gather feedback from prospective users, regulators, and policy makers. Only then, the ECB will announce whether a digital euro will be introduced. ... "