A Bank of Canada discussion paper has highlighted the challenges central banks face in creating a universally accessible central bank digital currency (CBDC) that boosts financial inclusion. The paper identifies three types of inclusion necessary for a universally accessible payment method: financial inclusion, digital inclusion and practical accessibility. The authors of the paper suggest that private financial institutions may not have an incentive to address the needs of those who are underserved. The challenge is in the delivery of services, rather than the nature of CBDC itself, the authors stated.