Central Bank Initiatives: The Hungarian Central Bank (Magyar Nemzeti Bank, MNB) has been active in fostering digital financial inclusion, particularly through the ‘Digital Student Safe’ project. This retail CBDC (Central Bank Digital Currency) pilot program aims to introduce students to digital finance and includes features like quizzes, digital pocket money, and the ability to handle real electronic money. The project represents a unique approach by the MNB to engage directly with a specific social group and experiment with financial technologies, such as offline payments and programmable payment functions