Cecilia Skingsley looks at her first six months as Head of the BIS Innovation Hub, the path of innovation on the public sector and the role of central banks and the private sector in providing financial services in a rapidly changing world. She says that central banks have to follow and understand not only cyclical changes, but also structural changes, which "can be slow and take a long time, such as globalization (…), or be very rapid and disruptive, such as the pandemic." She also talks about diversity and being the first policymaker to propose a digital currency in her native Sweden.