This deserves to be rejected and ridiculed loudly. The IMF is advocating for financial tyranny.

#Bitcoin is the means to real financial inclusion.

https://www.imf.org/en/Publications/fintech-notes/Issues/2023/09/22/Central-Bank-Digital-Currency-s-Role-in-Promoting-Financial-Inclusion-538728

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Discussion

What is the difference between a CBDC and a bank account?

To be honest, I have not spent morr than 10 minutes studying CBDC's.

Then maybe you should.

Where should I start? Is it just a database or do they use POS or something?