The first source is a Federal Reserve discussion paper exploring the potential benefits and risks of a U.S. central bank digital currency (CBDC), including its impact on monetary policy, financial stability, and consumer privacy. The second source examines the cashless economy, detailing various cashless payment methods, analyzing its advantages and disadvantages, and discussing strategies for successful implementation, along with challenges and case studies. Both sources analyze the evolving landscape of digital payments and their implications for individuals, businesses, and the economy.