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A clip from the European Central Bank, talking about progress towards an electronic version of the euro, has sparked concern on social media. Some suggest new central bank digital currencies (CBDCs) like this - including a digital pound under consideration in the UK - are designed to track our spending, or even restrict it. And there are fears it could lead to the elimination of cash altogether. But others say CBDCs are a recognition of cash鈥檚 decline, providing an alternative, and that central banks need to keep up with changing financial technologies. So what exactly is a digital pound, how would people use it, and how different is it to the way we pay for things now?