Technology is changing how we use money and make payments. Different types of digital currencies are being developed, like Bitcoin and Libra. Countries are also creating their own digital currencies, like China's Digital Yuan. The COVID-19 pandemic is speeding up the shift to digital payments. Instead of creating new digital currencies, central banks should focus on improving existing payment systems. In the future, we may see a mix of digital currencies from central banks and private companies to make money and payments better for everyone.