2025, Vol. 8, Issue 2

author(s)
E Vanajakshi and Srinivasamurthy T

abstract
This study examines bank employees' perceptions and attitudes toward Central Bank Digital Currencies (CBDCs) in India, specifically in the Tumakuru district. CBDCs, a sovereign digital currency project backed by the Reserve Bank of India, seek to change monetary systems, enhance the efficiency of payment systems and improve access to finance. This study used structured questionnaires using descriptive-exploratory research design to garner the awareness, familiarity, and concerns of banking professionals in relation to CBDC implementation. The study discovered a moderate to high level of awareness among each respondents' level of awareness, as well as a variety of attitudes from positive to confusion. The study highlights the need for enhanced employee education and training; adequate communication and related strategies, and infrastructure support to facilitate the transition to this new technology. This study helps provide useful information for policy makers, regulators and banking institutions at the ground/grassroots level as they prepare to establish a balanced and fair strategy for the future of digital currencies.