{"id":51764,"date":"2023-09-06T03:51:59","date_gmt":"2023-09-06T01:51:59","guid":{"rendered":"https:\/\/ms-office-training.de\/digitaler-euro-digitale-id-und-wallet-pflicht-kommen\/"},"modified":"2023-09-06T09:26:32","modified_gmt":"2023-09-06T07:26:32","slug":"digital-euro-digital-id-and-wallet-obligation-are-coming","status":"publish","type":"post","link":"https:\/\/ms-office-training.de\/en\/digital-euro-digital-id-and-wallet-obligation-are-coming\/","title":{"rendered":"Digital Euro &#8211; Digital ID and wallet obligation are coming"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-1 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-110\" class=\"widget_text widget widget_custom_html\" style=\"padding: 0px 50px;border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6975808762565780\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- head-2026 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6975808762565780\"\r\n     data-ad-slot=\"6080043400\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small;\">Anzeige<\/span><\/div><\/center><\/div><\/div><style type=\"text\/css\" data-id=\"text-78\">@media (max-width: 768px){#text-78{text-align:initial !important;}}<\/style><div id=\"text-78\" class=\"fusion-widget-mobile-align-initial fusion-widget-align-center widget widget_text\" style=\"border-style: solid;text-align: center;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><p><span style=\"display: block; color: #747474; font-size: 10px; margin-top: 15px; line-height: 1.2;\"><br \/>\nTransparenz: Um diesen Blog kostenlos anbieten zu k\u00f6nnen, nutzen wir Affiliate-Links. 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Win-Win!<br \/>\n<\/span><\/p>\n<\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:33px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:33;line-height:1.2;\">Digital Euro &#8211; Digital ID and wallet obligation are coming<\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-2 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 50px;\"><div id=\"icl_lang_sel_widget-2\" class=\"widget widget_icl_lang_sel_widget\">\n<div role=\"navigation\" aria-label=\"Language Switcher\" class=\"wpml-ls-sidebars-avada-custom-sidebar-sprachumschalter wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul><li class=\"wpml-ls-slot-avada-custom-sidebar-sprachumschalter wpml-ls-item wpml-ls-item-en wpml-ls-current-language wpml-ls-first-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/\" hreflang=\"en\" lang=\"en\" class=\"wpml-ls-link\" aria-current=\"page\" aria-label=\"Switch to English\" title=\"Switch to English\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/ms-office-training.de\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/en.png\"\n            alt=\"\"\n            loading=\"lazy\"\n            width=18\n            height=12\n    \/><span class=\"wpml-ls-native\">English<\/span><\/a>\n\t\t\t<\/li><li class=\"wpml-ls-slot-avada-custom-sidebar-sprachumschalter wpml-ls-item wpml-ls-item-de wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/\" hreflang=\"de\" lang=\"de\" class=\"wpml-ls-link\" aria-label=\"Switch to German\" title=\"Switch to German\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/ms-office-training.de\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/de.png\"\n            alt=\"\"\n            loading=\"lazy\"\n            width=18\n            height=12\n    \/><span class=\"wpml-ls-display\">German<\/span><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-1\"><p>Together with the European Union, Spain is working on the introduction of the digital euro, digital identification and the mandatory\u00a0 use of <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberwallet\" target=\"_blank\" rel=\"noopener nofollow\">digital wallets<\/a>. Germany, Spain, France, Italy and the Netherlands in particular are committed to this. The EU Commission plans to introduce a regulation for the <strong>introduction of the digital euro in 2023<\/strong>, which is intended to supplement cash in the EU and thus also in Spain. The digital euro is expected to bring numerous benefits, but there are also critical voices. There is also the question of whether it will be linked to other digital services such as digital identification.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"border-radius:3px;\"><img decoding=\"async\" width=\"850\" height=\"566\" alt=\"digitaler euro kommt\" title=\"digitaler euro kommt\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt.jpg\" class=\"img-responsive wp-image-51743\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-200x133.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-400x266.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-600x400.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-800x533.jpg 800w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt.jpg 850w\" sizes=\"(max-width: 768px) 100vw, 850px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-3 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"categories-14\" class=\"widget widget_categories\"><div class=\"heading\"><h4 class=\"widget-title\">Topic Overview<\/h4><\/div><form action=\"https:\/\/ms-office-training.de\/en\/\" method=\"get\"><label class=\"screen-reader-text\" for=\"cat\">Topic Overview<\/label><select  name='cat' id='cat' class='postform'>\n\t<option value='-1'>Select Category<\/option>\n\t<option class=\"level-0\" value=\"3508\">Amazon&nbsp;&nbsp;(16)<\/option>\n\t<option class=\"level-0\" value=\"236\">Android \/ iOS&nbsp;&nbsp;(33)<\/option>\n\t<option class=\"level-0\" value=\"3502\">Artificial intelligence&nbsp;&nbsp;(92)<\/option>\n\t<option class=\"level-0\" value=\"3500\">AutoGPT&nbsp;&nbsp;(22)<\/option>\n\t<option class=\"level-0\" value=\"3521\">Career&nbsp;&nbsp;(54)<\/option>\n\t<option class=\"level-0\" value=\"3501\">ChatGPT&nbsp;&nbsp;(35)<\/option>\n\t<option class=\"level-0\" value=\"3648\">Daily AI-News&nbsp;&nbsp;(19)<\/option>\n\t<option class=\"level-0\" value=\"300\">Data Protection&nbsp;&nbsp;(92)<\/option>\n\t<option class=\"level-0\" value=\"214\">Google&nbsp;&nbsp;(69)<\/option>\n\t<option class=\"level-0\" value=\"282\">Guest Article&nbsp;&nbsp;(17)<\/option>\n\t<option class=\"level-0\" value=\"3602\">Hardware&nbsp;&nbsp;(39)<\/option>\n\t<option class=\"level-0\" value=\"3306\">Homeoffice&nbsp;&nbsp;(64)<\/option>\n\t<option class=\"level-0\" value=\"1200\">Internet, Finance &amp; 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starting signal for EU regulation: The AI \u200b\u200bnews on New Year&#8217;s Eve<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/when-your-own-voice-becomes-a-weapon-the-rise-of-ai-powered-audio-fraud\/\">When your own voice becomes a weapon: The rise of AI-powered audio fraud<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/december-26-2025-record-workload-during-the-holidays-final-sprint-in-the-mega-deal\/\">December 26, 2025: Record workload during the holidays &#038; final sprint in the mega-deal<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/december-23-2025-900-billion-valuation-in-sight-googles-flash-launch\/\">December 23, 2025: $900 billion valuation in sight &#038; Google&#8217;s Flash launch<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\n\t\t<\/div><\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-4 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-5 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-column-no-min-height\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:33px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:33;line-height:1.2;\">Digital Euro &#8211; Digital ID and wallet obligation are coming<\/h1><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-6 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 50px;\"><div id=\"icl_lang_sel_widget-2\" class=\"widget widget_icl_lang_sel_widget\">\n<div role=\"navigation\" aria-label=\"Language Switcher\" class=\"wpml-ls-sidebars-avada-custom-sidebar-sprachumschalter wpml-ls wpml-ls-legacy-list-horizontal\">\n\t<ul><li class=\"wpml-ls-slot-avada-custom-sidebar-sprachumschalter wpml-ls-item wpml-ls-item-en wpml-ls-current-language wpml-ls-first-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/\" hreflang=\"en\" lang=\"en\" class=\"wpml-ls-link\" aria-current=\"page\" aria-label=\"Switch to English\" title=\"Switch to English\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/ms-office-training.de\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/en.png\"\n            alt=\"\"\n            loading=\"lazy\"\n            width=18\n            height=12\n    \/><span class=\"wpml-ls-native\">English<\/span><\/a>\n\t\t\t<\/li><li class=\"wpml-ls-slot-avada-custom-sidebar-sprachumschalter wpml-ls-item wpml-ls-item-de wpml-ls-last-item wpml-ls-item-legacy-list-horizontal\">\n\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/\" hreflang=\"de\" lang=\"de\" class=\"wpml-ls-link\" aria-label=\"Switch to German\" title=\"Switch to German\">\n\t\t\t\t\t                                    <img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/ms-office-training.de\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/de.png\"\n            alt=\"\"\n            loading=\"lazy\"\n            width=18\n            height=12\n    \/><span class=\"wpml-ls-display\">German<\/span><\/a>\n\t\t\t<\/li><\/ul>\n<\/div>\n<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-2\"><p>Together with the European Union, Spain is working on the introduction of the digital euro, digital identification and the mandatory\u00a0 use of <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberwallet\" target=\"_blank\" rel=\"noopener nofollow\">digital wallets<\/a>. Germany, Spain, France, Italy and the Netherlands in particular are committed to this. The EU Commission plans to introduce a regulation for the <strong>introduction of the digital euro in 2023<\/strong>, which is intended to supplement cash in the EU and thus also in Spain. The digital euro is expected to bring numerous benefits, but there are also critical voices. There is also the question of whether it will be linked to other digital services such as digital identification.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\" style=\"border-radius:3px;\"><img decoding=\"async\" width=\"850\" height=\"566\" alt=\"digitaler euro kommt\" title=\"digitaler euro kommt\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt.jpg\" class=\"img-responsive wp-image-51743\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-200x133.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-400x266.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-600x400.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt-800x533.jpg 800w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/digitaler-euro-kommt.jpg 850w\" sizes=\"(max-width: 768px) 100vw, 850px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-7 fusion-content-widget-area\" 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class=\"level-0\" value=\"210\">Uncategorized&nbsp;&nbsp;(105)<\/option>\n\t<option class=\"level-0\" value=\"246\">Windows 10\/11\/12&nbsp;&nbsp;(47)<\/option>\n\t<option class=\"level-0\" value=\"215\">Wordpress&nbsp;&nbsp;(14)<\/option>\n<\/select>\n<\/form><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n\n( ( dropdownId ) => {\n\tconst dropdown = document.getElementById( dropdownId );\n\tfunction onSelectChange() {\n\t\tsetTimeout( () => {\n\t\t\tif ( 'escape' === dropdown.dataset.lastkey ) {\n\t\t\t\treturn;\n\t\t\t}\n\t\t\tif ( dropdown.value && parseInt( dropdown.value ) > 0 && dropdown instanceof HTMLSelectElement ) {\n\t\t\t\tdropdown.parentElement.submit();\n\t\t\t}\n\t\t}, 250 );\n\t}\n\tfunction onKeyUp( event ) {\n\t\tif ( 'Escape' === event.key ) {\n\t\t\tdropdown.dataset.lastkey = 'escape';\n\t\t} else {\n\t\t\tdelete dropdown.dataset.lastkey;\n\t\t}\n\t}\n\tfunction onClick() {\n\t\tdelete dropdown.dataset.lastkey;\n\t}\n\tdropdown.addEventListener( 'keyup', 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style=\"font-size: x-small;\">Anzeige<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget fusion-widget-element fusion-widget-area fusion-content-widget-area wpWidget-2 wp_widget_recent_posts\" style=\"--awb-fusion-border-size:0px;--awb-fusion-border-style:solid;\">\n\t\t<div class=\"widget widget_recent_entries\">\n\t\t<div class=\"heading\"><h4 class=\"widget-title\">Latest Posts<\/h4><\/div>\n\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/historic-softbank-deal-starting-signal-for-eu-regulation-the-ai-news-on-new-years-eve\/\">Historic SoftBank deal &#038; starting signal for EU regulation: The AI \u200b\u200bnews on New Year&#8217;s Eve<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/when-your-own-voice-becomes-a-weapon-the-rise-of-ai-powered-audio-fraud\/\">When your own voice becomes a weapon: The rise of AI-powered audio fraud<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/december-26-2025-record-workload-during-the-holidays-final-sprint-in-the-mega-deal\/\">December 26, 2025: Record workload during the holidays &#038; final sprint in the mega-deal<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<a href=\"https:\/\/ms-office-training.de\/en\/december-23-2025-900-billion-valuation-in-sight-googles-flash-launch\/\">December 23, 2025: $900 billion valuation in sight &#038; Google&#8217;s Flash launch<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\n\t\t<\/div><\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-8 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-9 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">What is the digital Euro?<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">What is the digital Euro?<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p>The European Central Bank (ECB) is currently working on the introduction of the digital euro as an electronic means of payment, which should be made available to all residents of the euro area, including Spain. This is part of <strong>a global trend<\/strong> with central banks working on their own digital currencies, dubbed Central Bank Digital Currency (CBDC). To track the progress of this effort, visit <a href=\"https:\/\/cbdctracker.org\/\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/cbdctracker.org<\/a>.<\/p>\n<p>The ECB has been <strong>working on the development of the digital euro since October 2021<\/strong> and is testing its practical applicability together with the national central banks of the euro area. In a press release dated September 16, 2022, the ECB announced that it is working with five external companies to test the technological feasibility of the digital euro for this purpose.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-10 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><p><strong>This includes:<\/strong><\/p>\n<ul>\n<li>The Spanish Caixa Bank<\/li>\n<li>The French payment platform Wordline<\/li>\n<li>The European Payments Initiative (EPI) as an association of 31 banks<\/li>\n<li>The Italian bank Nexi<\/li>\n<li>Mail order company Amazon<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-11 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-63\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: WebHosting UK Com Ltd. from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3112048&amp;v=27692&amp;q=434591&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3112048&v=27692&q=434591&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: WebHosting UK Com Ltd. from awin.com -->\r\n<div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><p><a href=\"https:\/\/de.wikipedia.org\/wiki\/Digitales_Zentralbankgeld\" target=\"_blank\" rel=\"noopener nofollow\">CBDC<\/a> (digital central bank money) as well as the digital euro can be divided into <strong>retail and wholesale CBDC<\/strong>. Wholesale CBDC are limited to financial institutions and commercial banks, and serve the <a href=\"https:\/\/de.wikipedia.org\/wiki\/Interbankenhandel\" target=\"_blank\" rel=\"noopener nofollow\">interbank market<\/a>. The Banco de Espa\u00f1a (BDE), the central bank of Spain, has announced that it will conduct initial experiments with its own wholesale CBDC. To this end, she has obtained offers of cooperation from local financial and technology companies and set the application period until January 31, 2023.<\/p>\n<p><strong>Retail CBDCs, on the other hand, are open to the general public<\/strong>. The digital euro, for example, can be transferred directly between parties (peer-to-peer) and is therefore very similar to cash. Alternatively, it can also be made accessible via accounts with the central bank (account-based CBDC), similar to a bank deposit.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><p>The European Central Bank (ECB) is currently working on the introduction of the digital euro as an electronic means of payment, which should be made available to all residents of the euro area, including Spain. This is part of <strong>a global trend<\/strong> with central banks working on their own digital currencies, dubbed Central Bank Digital Currency (CBDC). To track the progress of this effort, visit <a href=\"https:\/\/cbdctracker.org\/\" target=\"_blank\" rel=\"noopener nofollow\">https:\/\/cbdctracker.org<\/a>.<\/p>\n<p>The ECB has been <strong>working on the development of the digital euro since October 2021<\/strong> and is testing its practical applicability together with the national central banks of the euro area. In a press release dated September 16, 2022, the ECB announced that it is working with five external companies to test the technological feasibility of the digital euro for this purpose.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-12 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-4 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7\"><p><strong>This includes:<\/strong><\/p>\n<ul>\n<li>The Spanish Caixa Bank<\/li>\n<li>The French payment platform Wordline<\/li>\n<li>The European Payments Initiative (EPI) as an association of 31 banks<\/li>\n<li>The Italian bank Nexi<\/li>\n<li>Mail order company Amazon<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-13 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-63\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: WebHosting UK Com Ltd. from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3112048&amp;v=27692&amp;q=434591&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3112048&v=27692&q=434591&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: WebHosting UK Com Ltd. from awin.com -->\r\n<div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-8\"><p><a href=\"https:\/\/de.wikipedia.org\/wiki\/Digitales_Zentralbankgeld\" target=\"_blank\" rel=\"noopener nofollow\">CBDC<\/a> (digital central bank money) as well as the digital euro can be divided into <strong>retail and wholesale CBDC<\/strong>. Wholesale CBDC are limited to financial institutions and commercial banks, and serve the <a href=\"https:\/\/de.wikipedia.org\/wiki\/Interbankenhandel\" target=\"_blank\" rel=\"noopener nofollow\">interbank market<\/a>. The Banco de Espa\u00f1a (BDE), the central bank of Spain, has announced that it will conduct initial experiments with its own wholesale CBDC. To this end, she has obtained offers of cooperation from local financial and technology companies and set the application period until January 31, 2023.<\/p>\n<p><strong>Retail CBDCs, on the other hand, are open to the general public<\/strong>. The digital euro, for example, can be transferred directly between parties (peer-to-peer) and is therefore very similar to cash. Alternatively, it can also be made accessible via accounts with the central bank (account-based CBDC), similar to a bank deposit.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">What is the purpose of the digital Euro?<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">What is the purpose of the digital Euro?<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-23 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-9\"><p>Although citizens in the EU already have various cashless payment options, such as credit cards, smartphones, smartwatches, PayPal or the payment app Bizum in Spain, the EU is still planning to introduce the digital euro. According to the <a href=\"https:\/\/www.ecb.europa.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">ECB&#8217;s website<\/a>, the digital euro should be usable throughout the euro area and be &#8220;<strong>as secure and user-friendly as cash is today<\/strong>&#8220;. Unlike commercial banks, which can fail, the citizen would be entitled to the central bank as a safe intermediary. However,<strong> amounts of up to EUR 100,000 per customer and bank<\/strong> are already protected by the statutory deposit insurance. This means that the central bank would only be a safer place for their money for customers with assets of more than EUR 100,000.<\/p>\n<p>In order not to destabilize the banking system, Fabio Panetta, a member of the ECB Executive Board, proposes an upper limit for the digital central bank euro in an interview with the Financial Times. One possibility would be that each citizen can hold <strong>a maximum of 3,000 euros in CBDC money<\/strong>, any money in excess of this would have to be transferred to a bank account. Another possibility would be that you can hold as much CBDC money as you want, but above a certain threshold you become financially disadvantaged. Credits of <strong>more than 3,000 euros could then be made unattractive by penalty interest<\/strong>. The reasons for the introduction of the digital euro are also stated on the ECB website.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-14 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-10\"><p><strong>The ECB gives the following reasons for the introduction of the digital Euro:<\/strong><\/p>\n<ul>\n<li>The digitization of the European economy is to be advanced and the strategic independence of the EU is to be promoted.<\/li>\n<li>Cash could lose massively in importance as a means of payment.<\/li>\n<li>It is a new channel for transmitting monetary policy stimulus.<\/li>\n<li>The international role of the euro will be strengthened.<\/li>\n<li>Money and payment systems become cheaper and their ecological footprint is reduced.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-25 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-15 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-63\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: WebHosting UK Com Ltd. from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3112048&amp;v=27692&amp;q=434591&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3112048&v=27692&q=434591&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: WebHosting UK Com Ltd. from awin.com -->\r\n<div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-26 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-7 sep-underline sep-solid fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#00d6fc;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Digital Euro and Industry 4.0<\/h3><\/div><div class=\"fusion-text fusion-text-11\"><p>The term &#8220;<a href=\"https:\/\/de.wikipedia.org\/wiki\/Industrie_4.0\" target=\"_blank\" rel=\"noopener nofollow\">Industry 4.0<\/a>&#8221; is often mentioned in connection with digitization, especially in Spain. It is about the <strong>complete digitization of industry<\/strong> with the aim of connecting the real world with the virtual one. Intelligent devices and machines will be able to communicate with each other autonomously, which is referred to as &#8220;machine-to-machine communication&#8221; (M2M). Some examples of this technology are <strong>cars that automatically pay after filling up<\/strong> and refrigerators that can reorder goods when stocks are low. In addition, standing orders, interest and leasing payments could be processed automatically. The digital euro could also be used for payments between the state and individuals, such as paying social benefits or paying taxes, as proposed by the ECB.<\/p>\n<p>In the context of Industry 4.0, the digital euro can be used as a means of payment, as Bundesbank board member Burkhard Balz emphasized in Wirtschaftswoche. He envisions that the digital euro could be designed to support <strong>programmable payments in a highly automated environment<\/strong>. However, this possibility will probably not be available immediately when the digital euro is introduced.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-11 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-27 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-12\"><p>Although citizens in the EU already have various cashless payment options, such as credit cards, smartphones, smartwatches, PayPal or the payment app Bizum in Spain, the EU is still planning to introduce the digital euro. According to the <a href=\"https:\/\/www.ecb.europa.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">ECB&#8217;s website<\/a>, the digital euro should be usable throughout the euro area and be &#8220;<strong>as secure and user-friendly as cash is today<\/strong>&#8220;. Unlike commercial banks, which can fail, the citizen would be entitled to the central bank as a safe intermediary. However,<strong> amounts of up to EUR 100,000 per customer and bank<\/strong> are already protected by the statutory deposit insurance. This means that the central bank would only be a safer place for their money for customers with assets of more than EUR 100,000.<\/p>\n<p>In order not to destabilize the banking system, Fabio Panetta, a member of the ECB Executive Board, proposes an upper limit for the digital central bank euro in an interview with the Financial Times. One possibility would be that each citizen can hold <strong>a maximum of 3,000 euros in CBDC money<\/strong>, any money in excess of this would have to be transferred to a bank account. Another possibility would be that you can hold as much CBDC money as you want, but above a certain threshold you become financially disadvantaged. Credits of <strong>more than 3,000 euros could then be made unattractive by penalty interest<\/strong>. The reasons for the introduction of the digital euro are also stated on the ECB website.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-16 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-6 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-28 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-13\"><p><strong>The ECB gives the following reasons for the introduction of the digital Euro:<\/strong><\/p>\n<ul>\n<li>The digitization of the European economy is to be advanced and the strategic independence of the EU is to be promoted.<\/li>\n<li>Cash could lose massively in importance as a means of payment.<\/li>\n<li>It is a new channel for transmitting monetary policy stimulus.<\/li>\n<li>The international role of the euro will be strengthened.<\/li>\n<li>Money and payment systems become cheaper and their ecological footprint is reduced.<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-29 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-17 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-63\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: WebHosting UK Com Ltd. from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3112048&amp;v=27692&amp;q=434591&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3112048&v=27692&q=434591&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: WebHosting UK Com Ltd. from awin.com -->\r\n<div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-30 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-8 sep-underline sep-solid fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:#00d6fc;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Digital Euro and Industry 4.0<\/h3><\/div><div class=\"fusion-text fusion-text-14\"><p>The term &#8220;<a href=\"https:\/\/de.wikipedia.org\/wiki\/Industrie_4.0\" target=\"_blank\" rel=\"noopener nofollow\">Industry 4.0<\/a>&#8221; is often mentioned in connection with digitization, especially in Spain. It is about the <strong>complete digitization of industry<\/strong> with the aim of connecting the real world with the virtual one. Intelligent devices and machines will be able to communicate with each other autonomously, which is referred to as &#8220;machine-to-machine communication&#8221; (M2M). Some examples of this technology are <strong>cars that automatically pay after filling up<\/strong> and refrigerators that can reorder goods when stocks are low. In addition, standing orders, interest and leasing payments could be processed automatically. The digital euro could also be used for payments between the state and individuals, such as paying social benefits or paying taxes, as proposed by the ECB.<\/p>\n<p>In the context of Industry 4.0, the digital euro can be used as a means of payment, as Bundesbank board member Burkhard Balz emphasized in Wirtschaftswoche. He envisions that the digital euro could be designed to support <strong>programmable payments in a highly automated environment<\/strong>. However, this possibility will probably not be available immediately when the digital euro is introduced.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-12 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-repeat:repeat-x;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-right:60px;--awb-padding-left:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-31 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-18 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-13 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-repeat:repeat-x;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-32 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-19 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-14 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-33 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Criticism of the digital Euro<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-15 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-34 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Criticism of the digital Euro<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-16 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-35 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-15\"><p>There are both supporters and critics of CBDCs, such as British financial author Dominic Frisby. In an article for the investment magazine &#8220;Money Week&#8221; in April 2021, Frisby wrote: &#8220;<strong>Programmable money &#8211; CBDCs &#8211; means that you, the user, have even less control over your money<\/strong>.&#8221; Pretty much anything can be encoded into a CBDC. For example, China is considering expiry dates in their CBDCs. &#8220;<strong>You have to spend the money by a certain date or it expires.<\/strong>&#8221; Whistleblower and IT security expert Edward Snowden put it even more bluntly. On his blog he wrote that CBDCs are not an innovation, but &#8220;<strong>crypto-fascist currencies<\/strong>&#8221; that are used to do so served to deny their users &#8220;basic ownership of their money and use the state as the intermediary of every transaction&#8221;.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-20 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-7 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-16\"><p>Unlike cash, <strong>CBDCs will not be completely anonymous<\/strong>. Agust\u00edn Carstens, general manager of the Bank for International Settlements (BIS), explained during an IMF panel discussion on cross-border payments in 2020 that when it comes to CBDCs, the central bank has absolute control over the rules and regulations. Christine Lagarde, head of the ECB, made a similar statement at the Digital Euro Conference in Brussels in November 2022, stressing that &#8220;<strong>full anonymity, such as that offered by cash, is not a viable option<\/strong>&#8220;.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-17 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-36 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-17\"><p>There are both supporters and critics of CBDCs, such as British financial author Dominic Frisby. In an article for the investment magazine &#8220;Money Week&#8221; in April 2021, Frisby wrote: &#8220;<strong>Programmable money &#8211; CBDCs &#8211; means that you, the user, have even less control over your money<\/strong>.&#8221; Pretty much anything can be encoded into a CBDC. For example, China is considering expiry dates in their CBDCs. &#8220;<strong>You have to spend the money by a certain date or it expires.<\/strong>&#8221; Whistleblower and IT security expert Edward Snowden put it even more bluntly. On his blog he wrote that CBDCs are not an innovation, but &#8220;<strong>crypto-fascist currencies<\/strong>&#8221; that are used to do so served to deny their users &#8220;basic ownership of their money and use the state as the intermediary of every transaction&#8221;.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-21 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-8 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-18\"><p>Unlike cash, <strong>CBDCs will not be completely anonymous<\/strong>. Agust\u00edn Carstens, general manager of the Bank for International Settlements (BIS), explained during an IMF panel discussion on cross-border payments in 2020 that when it comes to CBDCs, the central bank has absolute control over the rules and regulations. Christine Lagarde, head of the ECB, made a similar statement at the Digital Euro Conference in Brussels in November 2022, stressing that &#8220;<strong>full anonymity, such as that offered by cash, is not a viable option<\/strong>&#8220;.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-18 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-37 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Der digitale Euro und die digitale Brieftasche<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-19 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-38 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Der digitale Euro und die digitale Brieftasche<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-20 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-39 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-19\"><p>Cecilia Skingsley, head of the Innovation Hub at the Bank for International Settlements (BIS), believes that the introduction of a CBDC is <strong>not a &#8220;one size fits all&#8221; solution<\/strong> and should be implemented in conjunction with identification measures. A possible component could be a digital wallet. The European Union (EU) is currently working on various identity projects, including the <a href=\"https:\/\/www.nobidconsortium.com\/\" target=\"_blank\" rel=\"noopener nofollow\">Nobid consortium<\/a>, which deals with &#8220;EU digital wallet payments&#8221;.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-40 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-20\"><p>Furthermore, in December the European Commission selected the potential consortium <a href=\"https:\/\/www.digital-identity-wallet.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">www.digital-identity-wallet.eu<\/a> to test new prototypes for the upcoming EU <a href=\"https:\/\/commission.europa.eu\/strategy-and-policy\/priorities-2019-2024\/europe-fit-digital-age\/european-digital-identity_de\" target=\"_blank\" rel=\"noopener nofollow\">Digital Identity Wallet<\/a> (EUDIW) in six use cases:<\/p>\n<ul>\n<li>Electronic Government Services<\/li>\n<li>account opening<\/li>\n<li>SIM registration<\/li>\n<li>Mobile driver&#8217;s license<\/li>\n<li>digital signature<\/li>\n<li>Electronic Prescription<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-41 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-22 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-64\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: TTfone from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3315153&amp;v=28737&amp;q=438939&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3315153&v=28737&q=438939&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: TTfone from awin.com --><div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-42 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-21\"><p>The <a href=\"https:\/\/eudiwalletconsortium.org\/\" target=\"_blank\" rel=\"noopener nofollow\">EUDI Wallet Consortium<\/a> (EWC) is conducting pilot projects to test the EU Digital Identity Wallet (EUDI) ecosystem. According to the <a href=\"https:\/\/digital-strategy.ec.europa.eu\/de\/policies\/eidas-regulation\" target=\"_blank\" rel=\"noopener nofollow\">eIDAS 2.0 regulation<\/a>, <strong>from January 1, 2023<\/strong>, all EU member states must provide their citizens with a certified digital wallet (European Digital Identity Wallet) within a maximum of twelve months, <strong>including Spain from 2024.<\/strong> The wallet must be specified by the EU Meet standards, however, there will not be a single European wallet, each country can create its own.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-21 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-43 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-22\"><p>Cecilia Skingsley, head of the Innovation Hub at the Bank for International Settlements (BIS), believes that the introduction of a CBDC is <strong>not a &#8220;one size fits all&#8221; solution<\/strong> and should be implemented in conjunction with identification measures. A possible component could be a digital wallet. The European Union (EU) is currently working on various identity projects, including the <a href=\"https:\/\/www.nobidconsortium.com\/\" target=\"_blank\" rel=\"noopener nofollow\">Nobid consortium<\/a>, which deals with &#8220;EU digital wallet payments&#8221;.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-44 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-23\"><p>Furthermore, in December the European Commission selected the potential consortium <a href=\"https:\/\/www.digital-identity-wallet.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">www.digital-identity-wallet.eu<\/a> to test new prototypes for the upcoming EU <a href=\"https:\/\/commission.europa.eu\/strategy-and-policy\/priorities-2019-2024\/europe-fit-digital-age\/european-digital-identity_de\" target=\"_blank\" rel=\"noopener nofollow\">Digital Identity Wallet<\/a> (EUDIW) in six use cases:<\/p>\n<ul>\n<li>Electronic Government Services<\/li>\n<li>account opening<\/li>\n<li>SIM registration<\/li>\n<li>Mobile driver&#8217;s license<\/li>\n<li>digital signature<\/li>\n<li>Electronic Prescription<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-45 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-23 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-64\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><!-- START ADVERTISER: TTfone from awin.com --><a rel=\"sponsored nofollow noopener\" href=\"https:\/\/www.awin1.com\/cread.php?s=3315153&amp;v=28737&amp;q=438939&amp;r=1354483\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.awin1.com\/cshow.php?s=3315153&v=28737&q=438939&r=1354483\" border=\"0\">\r\n<\/a><!-- END ADVERTISER: TTfone from awin.com --><div <span style=\"font-size: x-small;\"><span style=\"font-size: x-small; color: #00d6fc;\">Ads<\/span><\/div><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-46 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-24\"><p>The <a href=\"https:\/\/eudiwalletconsortium.org\/\" target=\"_blank\" rel=\"noopener nofollow\">EUDI Wallet Consortium<\/a> (EWC) is conducting pilot projects to test the EU Digital Identity Wallet (EUDI) ecosystem. According to the <a href=\"https:\/\/digital-strategy.ec.europa.eu\/de\/policies\/eidas-regulation\" target=\"_blank\" rel=\"noopener nofollow\">eIDAS 2.0 regulation<\/a>, <strong>from January 1, 2023<\/strong>, all EU member states must provide their citizens with a certified digital wallet (European Digital Identity Wallet) within a maximum of twelve months, <strong>including Spain from 2024.<\/strong> The wallet must be specified by the EU Meet standards, however, there will not be a single European wallet, each country can create its own.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-22 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-47 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Digital wallet will be mandatory<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-23 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-48 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">Digital wallet will be mandatory<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-24 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-49 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-25\"><p>The EU has taken various measures to promote the spread of the European Digital Identity Wallet. This includes requiring various sectors such as banking, finance, healthcare, education, transportation and utilities to use the wallet. Even big <strong>tech companies like Amazon, Google, and Facebook need to roll out the wallet<\/strong> to prevent social login identification. The wallet is expected to offer features such as authentication for services, identification to third parties, notarization of attributes such as address, age, marital status, financial and company details, as well as vaccination and test certificates, and document signing.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-24 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-9 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-50 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-26\"><p>However, privacy advocates, IT experts and civil rights organizations still have concerns. The EU plans to make the European ID available as a mobile app and in digital form as part of a wallet. The European Commission has listed the following use cases for the wallet <a href=\"https:\/\/commission.europa.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">on its website<\/a>:<\/p>\n<ul>\n<li>Use of all public services, for example to apply for birth certificates and medical certificates or to notify of a change of address<\/li>\n<li>Opening a bank account<\/li>\n<li>tax declaration<\/li>\n<li>Application to a university within the EU<\/li>\n<li>Storage of a doctor&#8217;s prescription that can be redeemed anywhere in Europe<\/li>\n<li>proof of age<\/li>\n<li>Renting a car with a digital driver&#8217;s license<\/li>\n<li>Check in at a hotel<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-51 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-25 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-65\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6975808762565780\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- 300x250 EN -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6975808762565780\"\r\n     data-ad-slot=\"4647180078\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-25 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-margin-bottom:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-52 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-27\"><p>The EU has taken various measures to promote the spread of the European Digital Identity Wallet. This includes requiring various sectors such as banking, finance, healthcare, education, transportation and utilities to use the wallet. Even big <strong>tech companies like Amazon, Google, and Facebook need to roll out the wallet<\/strong> to prevent social login identification. The wallet is expected to offer features such as authentication for services, identification to third parties, notarization of attributes such as address, age, marital status, financial and company details, as well as vaccination and test certificates, and document signing.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-26 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-10 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-53 fusion_builder_column_3_4 3_4 fusion-three-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:75%;width:calc(75% - ( ( 4% ) * 0.75 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-28\"><p>However, privacy advocates, IT experts and civil rights organizations still have concerns. The EU plans to make the European ID available as a mobile app and in digital form as part of a wallet. The European Commission has listed the following use cases for the wallet <a href=\"https:\/\/commission.europa.eu\/\" target=\"_blank\" rel=\"noopener nofollow\">on its website<\/a>:<\/p>\n<ul>\n<li>Use of all public services, for example to apply for birth certificates and medical certificates or to notify of a change of address<\/li>\n<li>Opening a bank account<\/li>\n<li>tax declaration<\/li>\n<li>Application to a university within the EU<\/li>\n<li>Storage of a doctor&#8217;s prescription that can be redeemed anywhere in Europe<\/li>\n<li>proof of age<\/li>\n<li>Renting a car with a digital driver&#8217;s license<\/li>\n<li>Check in at a hotel<\/li>\n<\/ul>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-54 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-27 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"custom_html-65\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><center><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6975808762565780\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- 300x250 EN -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6975808762565780\"\r\n     data-ad-slot=\"4647180078\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/center><\/div><\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-26 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:60px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-55 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">My View<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-27 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-56 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-padding-top:8px;--awb-padding-right:8px;--awb-padding-bottom:8px;--awb-padding-left:8px;--awb-bg-color:#00d6fc;--awb-bg-color-hover:#00d6fc;--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:1.2;\">My View<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-28 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:0px;--awb-padding-left:60px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-57 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-29\"><p>From my point of view, you don&#8217;t have to be a conspiracy theorist to realize that the digital euro and the digital ID <strong>(which will also become mandatory)<\/strong> are by no means about simplifying processes. It is simply <strong>monitoring all payment transactions in the EU and beyond<\/strong>. And these should not only be recorded, but also be able to be assigned to the individual in a very personal and targeted manner. How this fits together with the otherwise so high level of data protection in the EU is not clear to me. The digital euro is currently still mentioned as a supplement to cash, but I don&#8217;t think you have to be a clairvoyant to see where the journey is going. Sooner or later, <strong>the digital euro should completely replace cash<\/strong>.<\/p>\n<p>What surprised me the most here is that even the initiators no longer cited the usual suspects such as combating terrorism or combating money laundering as reasons for the digital euro. Even if it certainly won&#8217;t go all the way straight away, and there will also be many transitional periods, as well as individual regulations for the individual countries within the EU <strong>(if it were uniform, if it weren&#8217;t for the EU)<\/strong>, the path has been mapped out for a long time, and should now be taken with great strides.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-28 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-11 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-30\"><p>I think that the will of the <strong>majority of citizens in the EU is being governed here<\/strong>, and that an ideology is being imposed instead. As is the case with other projects that are openly talked about, and also with those that one would prefer to remain silent about. In the end, the citizens of the European Union only have the opportunity to express the will of the majority through democratic elections in order not to succumb to the will of the few. And then we will see what the majority of people in Europe want. As I said before, this is just my personal opinion, and I&#8217;m sure everyone may see it differently. But I don&#8217;t think I&#8217;m all alone with my view of things here.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-29 has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-large-visibility\" style=\"--awb-background-position:left top;--awb-border-sizes-top:1px;--awb-border-sizes-bottom:1px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-58 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-31\"><p>From my point of view, you don&#8217;t have to be a conspiracy theorist to realize that the digital euro and the digital ID <strong>(which will also become mandatory)<\/strong> are by no means about simplifying processes. It is simply <strong>monitoring all payment transactions in the EU and beyond<\/strong>. And these should not only be recorded, but also be able to be assigned to the individual in a very personal and targeted manner. How this fits together with the otherwise so high level of data protection in the EU is not clear to me. The digital euro is currently still mentioned as a supplement to cash, but I don&#8217;t think you have to be a clairvoyant to see where the journey is going. Sooner or later, <strong>the digital euro should completely replace cash<\/strong>.<\/p>\n<p>What surprised me the most here is that even the initiators no longer cited the usual suspects such as combating terrorism or combating money laundering as reasons for the digital euro. Even if it certainly won&#8217;t go all the way straight away, and there will also be many transitional periods, as well as individual regulations for the individual countries within the EU <strong>(if it were uniform, if it weren&#8217;t for the EU)<\/strong>, the path has been mapped out for a long time, and should now be taken with great strides.<\/p>\n<\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-29 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-80\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><h2 style=\"text-align: center; font-size: 25px;\"><strong>JETZT NEU BEI UNS:<\/strong><\/h2>\r\n<p style=\"text-align: center;\">VERSICHERUNGEN &amp; FINANZEN OPTIMIEREN<\/p>\r\n<div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat button-xlarge button-default fusion-button-default button-12 fusion-button-default-span fusion-button-default-type\" style=\"--button_margin-right:20px;--button_margin-bottom:20px;--button_margin-left:20px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/ms-office-training.de\/finanzrechner\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default fusion-button-text-right\">FINANZ-COCKPIT<\/span><span class=\"fusion-button-icon-divider button-icon-divider-right\"><i class=\"fa-coins fas awb-button__icon awb-button__icon--default\" aria-hidden=\"true\"><\/i><\/span><\/a><\/div>\r\n<p style=\"text-align: center;\"><\/p><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-text fusion-text-32\"><p>I think that the will of the <strong>majority of citizens in the EU is being governed here<\/strong>, and that an ideology is being imposed instead. As is the case with other projects that are openly talked about, and also with those that one would prefer to remain silent about. In the end, the citizens of the European Union only have the opportunity to express the will of the majority through democratic elections in order not to succumb to the will of the few. And then we will see what the majority of people in Europe want. As I said before, this is just my personal opinion, and I&#8217;m sure everyone may see it differently. But I don&#8217;t think I&#8217;m all alone with my view of things here.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-30 hundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:50px;--awb-padding-bottom:30px;--awb-padding-left:60px;--awb-margin-bottom:30px;--awb-background-color:rgba(255,255,255,0);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-59 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-30 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-71\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><div class=\"give-embed-form-wrapper\" id=\"give-69d384df7d41b\"><iframe\n\t\t\t\tname=\"give-embed-form\"\n\t\t\t\tsrc=\"https:\/\/ms-office-training.de\/en\/give\/donation-form\/?giveDonationFormInIframe=1\"\n\t\t\t\t\n\t\t\t\tdata-autoScroll=\"0\"\n\t\t\t\tonload=\"if( 'undefined' !== typeof Give ) { Give.initializeIframeResize(this) }\"\n\t\t\t\tstyle=\"border: 0;visibility: hidden;min-height: 598px;\"><\/iframe><div class=\"iframe-loader\">\n<div style=\"\n\t\theight: calc(100% - 28px);\n\t\twidth: calc(100% - 20px);\n\t\tmax-width: 552px;\n\t\tmargin: 10px auto 10px auto;\n\t\tbackground: transparent;\n\t\tborder-radius: 6px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\">\n    <div style=\"\n        pointer-events: none;\n        height: 90px;\n        width: 90px;\n        background-image: url(&quot;data:image\/svg+xml;charset=utf8,%3C?xml version='1.0' encoding='utf-8'?%3E%3C!-- Generator: Adobe Illustrator 24.1.0, SVG Export Plug-In . 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Suhr<\/span><span class=\"person-title\">Dipl. Betriebswirt | Webdesign- und Beratung | Office Training<\/span><\/div><div class=\"fusion-social-networks boxed-icons\"><div class=\"fusion-social-networks-wrapper\"><a class=\"fusion-social-network-icon fusion-tooltip fusion-facebook awb-icon-facebook custom\" aria-label=\"fusion-facebook\" href=\"https:\/\/www.facebook.com\/webdesignms\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Facebook\" title=\"Facebook\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-twitter awb-icon-twitter custom\" aria-label=\"fusion-twitter\" href=\"https:\/\/twitter.com\/webdesign_ms\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Twitter\" title=\"Twitter\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-xing awb-icon-xing custom\" aria-label=\"fusion-xing\" href=\"https:\/\/www.xing.com\/profile\/MichaelW_Suhr\/portfolio\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Xing\" title=\"Xing\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-mail awb-icon-mail custom\" aria-label=\"fusion-mail\" href=\"mailto:&#105;&#110;&#102;o&#064;m&#115;-offi&#099;&#101;-&#116;r&#097;i&#110;in&#103;&#046;&#100;e\" target=\"_self\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Mail\" title=\"Mail\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-paypal awb-icon-paypal custom\" aria-label=\"fusion-paypal\" href=\" https:\/\/www.paypal.com\/paypalme\/msofficetr74\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Paypal\" title=\"Paypal\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-phone awb-icon-phone custom\" aria-label=\"fusion-phone\" href=\"tel:04181360254\" target=\"_self\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Phone\" title=\"Phone\" data-toggle=\"tooltip\"><\/a><\/div><\/div><\/div><div class=\"person-content fusion-clearfix\">After 20 years in logistics, I turned my hobby, which has accompanied me since the mid-1980s, into a profession, and have been working as a freelancer in web design, web consulting and Microsoft Office since the beginning of 2015. On the side, I write articles for more digital competence in my blog as far as time allows.<\/div><\/div><\/div><\/div>\n\t\t<\/div><div id=\"text-77\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><span style=\"display: block; color: #747474; font-size: 10px; margin-top: 15px; line-height: 1.2;\">\r\nTransparenz: Um diesen Blog kostenlos anbieten zu k\u00f6nnen, nutzen wir Affiliate-Links. Klickst du darauf und kaufst etwas, bekommen wir eine kleine Verg\u00fctung. Der Preis bleibt f\u00fcr dich gleich. 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Suhr<\/span><span class=\"person-title\">Dipl. Betriebswirt | Webdesign- und Beratung | Office Training<\/span><\/div><div class=\"fusion-social-networks boxed-icons\"><div class=\"fusion-social-networks-wrapper\"><a class=\"fusion-social-network-icon fusion-tooltip fusion-facebook awb-icon-facebook custom\" aria-label=\"fusion-facebook\" href=\"https:\/\/www.facebook.com\/webdesignms\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Facebook\" title=\"Facebook\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-twitter awb-icon-twitter custom\" aria-label=\"fusion-twitter\" href=\"https:\/\/twitter.com\/webdesign_ms\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Twitter\" title=\"Twitter\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-xing awb-icon-xing custom\" aria-label=\"fusion-xing\" href=\"https:\/\/www.xing.com\/profile\/MichaelW_Suhr\/portfolio\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Xing\" title=\"Xing\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-mail awb-icon-mail custom\" aria-label=\"fusion-mail\" href=\"mailto:&#105;&#110;&#102;o&#064;&#109;&#115;-o&#102;&#102;i&#099;&#101;&#045;tra&#105;n&#105;ng.&#100;&#101;\" target=\"_self\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Mail\" title=\"Mail\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-paypal awb-icon-paypal custom\" aria-label=\"fusion-paypal\" href=\" https:\/\/www.paypal.com\/paypalme\/msofficetr74\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Paypal\" title=\"Paypal\" data-toggle=\"tooltip\"><\/a><a class=\"fusion-social-network-icon fusion-tooltip fusion-phone awb-icon-phone custom\" aria-label=\"fusion-phone\" href=\"tel:04181360254\" target=\"_self\" style=\"color:#040082;background-color:#f4f4f4;border-color:var(--awb-color3);border-radius:8px;font-size:21px;padding:8px;\" data-placement=\"top\" data-title=\"Phone\" title=\"Phone\" data-toggle=\"tooltip\"><\/a><\/div><\/div><\/div><div class=\"person-content fusion-clearfix\">After 20 years in logistics, I turned my hobby, which has accompanied me since the mid-1980s, into a profession, and have been working as a freelancer in web design, web consulting and Microsoft Office since the beginning of 2015. On the side, I write articles for more digital competence in my blog as far as time allows.<\/div><\/div><\/div><\/div>\n\t\t<\/div><div id=\"text-77\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><span style=\"display: block; color: #747474; font-size: 10px; margin-top: 15px; line-height: 1.2;\">\r\nTransparenz: Um diesen Blog kostenlos anbieten zu k\u00f6nnen, nutzen wir Affiliate-Links. Klickst du darauf und kaufst etwas, bekommen wir eine kleine Verg\u00fctung. Der Preis bleibt f\u00fcr dich gleich. 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data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-title title fusion-title-17 sep-underline sep-solid fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:5px;--awb-margin-left-small:0px;--awb-font-size:25px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:25;line-height:1.2;\">Popular Posts:<\/h2><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-68 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-blog-shortcode fusion-blog-shortcode-1 fusion-blog-archive fusion-blog-layout-medium-alternate fusion-blog-infinite\"><div class=\"fusion-posts-container fusion-posts-container-infinite fusion-posts-container-load-more fusion-blog-rollover\" data-pages=\"20\"><article id=\"blog-1-post-64073\" class=\"fusion-post-medium-alternate post-64073 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-homeoffice-en category-microsoft-windows-en tag-homeoffice-en tag-windows-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">23<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Werbefrei im Heimnetz mit Pi-Hole\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">\n\t\t\t\t\t\tAd-free home network: Install Pi-hole on Windows\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\" aria-label=\"Ad-free home network: Install Pi-hole on Windows\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T07:20:04+01:00<\/span><span>December 23rd, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/uncategorized\/microsoft-windows-en\/\" rel=\"category tag\">Windows 10\/11\/12<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/windows-en\/\" rel=\"tag\">Windows<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Say goodbye to ads on smart TVs and in apps: Pi-hole software turns your Windows laptop into a network filter. This article explains step-by-step how to install it via Docker and configure the necessary DNS settings in your FRITZ!Box.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\" aria-label=\"More on Ad-free home network: Install Pi-hole on Windows\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-1-post-64104\" class=\"fusion-post-medium-alternate post-64104 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-homeoffice-en category-microsoft-windows-en tag-career tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">22<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"fritzbox-mit-laptop-verbinden-telefonzentrale\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">How to tune your FRITZ!Box into a professional call server<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">\n\t\t\t\t\t\tHow to tune your FRITZ!Box into a professional call server\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\" aria-label=\"How to tune your FRITZ!Box into a professional call server\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">How to tune your FRITZ!Box into a professional call server<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T09:39:27+01:00<\/span><span>December 22nd, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/uncategorized\/microsoft-windows-en\/\" rel=\"category tag\">Windows 10\/11\/12<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/career\/\" rel=\"tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>A professional telephone system can be built using a FRITZ!Box and a laptop. This article shows step by step how to use the free software \"Phoner\" to schedule announcements and record calls \u2013 including important legal information (\u00a7 201 StGB).<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\" aria-label=\"More on How to tune your FRITZ!Box into a professional call server\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-1-post-64113\" class=\"fusion-post-medium-alternate post-64113 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-career category-homeoffice-en tag-career tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">21<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"to-do-list-vs-timeboxing\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">Why to-do lists are a waste of time<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">\n\t\t\t\t\t\tWhy to-do lists are a waste of time\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\" aria-label=\"Why to-do lists are a waste of time\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">Why to-do lists are a waste of time<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T09:50:09+01:00<\/span><span>December 21st, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/career\/\" rel=\"category tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/career\/\" rel=\"tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Do you feel unproductive at the end of the day, even though you've worked hard? Your to-do list is to blame. It tempts you to focus on easy tasks and ignores your limited time. This article explains why lists are \"self-deception\" and why professionals use a calendar instead.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\" aria-label=\"More on Why to-do lists are a waste of time\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-1-post-64157\" class=\"fusion-post-medium-alternate post-64157 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-data-protection category-hardware-en category-homeoffice-en category-software-en tag-data-protection tag-hardware-en tag-software-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">18<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Smartphone-WLAN-Sicherheit\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">Smartphone Wi-Fi security: Public hotspots vs. home network<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">\n\t\t\t\t\t\tSmartphone Wi-Fi security: Public hotspots vs. home network\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\" aria-label=\"Smartphone Wi-Fi security: Public hotspots vs. home network\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">Smartphone Wi-Fi security: Public hotspots vs. home network<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-31T18:49:55+01:00<\/span><span>December 18th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/data-protection\/\" rel=\"category tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/hardware-en\/\" rel=\"category tag\">Hardware<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/software-en\/\" rel=\"category tag\">Software<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/data-protection\/\" rel=\"tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/hardware-en\/\" rel=\"tag\">Hardware<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/software-en\/\" rel=\"tag\">Software<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Is smartphone Wi-Fi a security risk? This article analyzes in detail threats such as evil twin attacks and explains protective measures for when you're on the go. We also clarify why home Wi-Fi is usually secure and how you can effectively separate your smart home from sensitive data using a guest network.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\" aria-label=\"More on Smartphone Wi-Fi security: Public hotspots vs. home network\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-1-post-63519\" class=\"fusion-post-medium-alternate post-63519 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-artificial-intelligence-en category-microsoft-excel-en category-microsoft-office-en category-software-en tag-artificial-intelligence tag-excel-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">24<\/span><span class=\"fusion-month-year\">11, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Warum dein Excel-Kurs Zeitverschwendung ist\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">\n\t\t\t\t\t\tWarum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\" aria-label=\"Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-11-26T06:12:46+01:00<\/span><span>November 24th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/artificial-intelligence-en\/\" rel=\"category tag\">Artificial intelligence<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/microsoft-office-en\/microsoft-excel-en\/\" rel=\"category tag\">Microsoft Excel<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/microsoft-office-en\/\" rel=\"category tag\">Microsoft Office<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/software-en\/\" rel=\"category tag\">Software<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/artificial-intelligence\/\" rel=\"tag\">AI<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/excel-en\/\" rel=\"tag\">Excel<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Hand aufs Herz: Wann hast du zuletzt eine komplexe Excel-Formel ohne Googeln getippt? Eben. KI schreibt heute den Code f\u00fcr dich. Erfahre, warum klassische Excel-Trainings veraltet sind und welche 3 modernen Skills deinen Marktwert im B\u00fcro jetzt massiv steigern.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\" aria-label=\"More on Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-1-post-63071\" class=\"fusion-post-medium-alternate post-63071 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-data-protection category-homeoffice-en tag-data-protection tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">16<\/span><span class=\"fusion-month-year\">11, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Cybersicherheit\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">\n\t\t\t\t\t\tCybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\" aria-label=\"Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-11-16T17:42:53+01:00<\/span><span>November 16th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/data-protection\/\" rel=\"category tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/data-protection\/\" rel=\"tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Hacker brauchen keine Codes, sie brauchen nur einen unaufmerksamen Mitarbeiter. Von Passwort-Recycling bis zum gef\u00e4hrlichen Klick: Wir zeigen die drei h\u00e4ufigsten Fehler im B\u00fcroalltag und geben praktische Tipps, wie Sie zur menschlichen Firewall werden.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\" aria-label=\"More on Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\">Read More<\/a><\/div><\/div><\/article>\n<\/div><div class=\"fusion-infinite-scroll-trigger\"><\/div><div class=\"pagination infinite-scroll clearfix\" style=\"display:none;\"><span class=\"current\">1<\/span><a href=\"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts\/51764\/page\/2\/\" class=\"inactive\">2<\/a><a class=\"pagination-next\" rel=\"next\" 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srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-400x472.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-600x709.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/personalplaner-2024-excel-download\/\" target=\"_self\"><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a 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fusion-posts-container-load-more fusion-blog-rollover\" data-pages=\"20\"><article id=\"blog-2-post-64073\" class=\"fusion-post-medium-alternate post-64073 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-homeoffice-en category-microsoft-windows-en tag-homeoffice-en tag-windows-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">23<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Werbefrei im Heimnetz mit Pi-Hole\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Werbefrei-im-Heimnetz-mit-Pi-Hole-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">\n\t\t\t\t\t\tAd-free home network: Install Pi-hole on Windows\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\" aria-label=\"Ad-free home network: Install Pi-hole on Windows\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\">Ad-free home network: Install Pi-hole on Windows<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T07:20:04+01:00<\/span><span>December 23rd, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/uncategorized\/microsoft-windows-en\/\" rel=\"category tag\">Windows 10\/11\/12<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/windows-en\/\" rel=\"tag\">Windows<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Say goodbye to ads on smart TVs and in apps: Pi-hole software turns your Windows laptop into a network filter. This article explains step-by-step how to install it via Docker and configure the necessary DNS settings in your FRITZ!Box.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/ad-free-home-network-install-pi-hole-on-windows\/\" aria-label=\"More on Ad-free home network: Install Pi-hole on Windows\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-2-post-64104\" class=\"fusion-post-medium-alternate post-64104 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-homeoffice-en category-microsoft-windows-en tag-career tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">22<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"fritzbox-mit-laptop-verbinden-telefonzentrale\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/fritzbox-mit-laptop-verbinden-telefonzentrale-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">How to tune your FRITZ!Box into a professional call server<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">\n\t\t\t\t\t\tHow to tune your FRITZ!Box into a professional call server\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\" aria-label=\"How to tune your FRITZ!Box into a professional call server\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\">How to tune your FRITZ!Box into a professional call server<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T09:39:27+01:00<\/span><span>December 22nd, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/uncategorized\/microsoft-windows-en\/\" rel=\"category tag\">Windows 10\/11\/12<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/career\/\" rel=\"tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>A professional telephone system can be built using a FRITZ!Box and a laptop. This article shows step by step how to use the free software \"Phoner\" to schedule announcements and record calls \u2013 including important legal information (\u00a7 201 StGB).<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/how-to-tune-your-fritzbox-into-a-professional-call-server\/\" aria-label=\"More on How to tune your FRITZ!Box into a professional call server\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-2-post-64113\" class=\"fusion-post-medium-alternate post-64113 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-career category-homeoffice-en tag-career tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">21<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"to-do-list-vs-timeboxing\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/to-do-list-vs-timeboxing-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">Why to-do lists are a waste of time<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">\n\t\t\t\t\t\tWhy to-do lists are a waste of time\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\" aria-label=\"Why to-do lists are a waste of time\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\">Why to-do lists are a waste of time<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-27T09:50:09+01:00<\/span><span>December 21st, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/career\/\" rel=\"category tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/career\/\" rel=\"tag\">Career<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Do you feel unproductive at the end of the day, even though you've worked hard? Your to-do list is to blame. It tempts you to focus on easy tasks and ignores your limited time. This article explains why lists are \"self-deception\" and why professionals use a calendar instead.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/why-to-do-lists-are-a-waste-of-time\/\" aria-label=\"More on Why to-do lists are a waste of time\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-2-post-64157\" class=\"fusion-post-medium-alternate post-64157 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-data-protection category-hardware-en category-homeoffice-en category-software-en tag-data-protection tag-hardware-en tag-software-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">18<\/span><span class=\"fusion-month-year\">12, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Smartphone-WLAN-Sicherheit\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/12\/Smartphone-WLAN-Sicherheit-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">Smartphone Wi-Fi security: Public hotspots vs. home network<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">\n\t\t\t\t\t\tSmartphone Wi-Fi security: Public hotspots vs. home network\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\" aria-label=\"Smartphone Wi-Fi security: Public hotspots vs. home network\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\">Smartphone Wi-Fi security: Public hotspots vs. home network<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-12-31T18:49:55+01:00<\/span><span>December 18th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/data-protection\/\" rel=\"category tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/hardware-en\/\" rel=\"category tag\">Hardware<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/software-en\/\" rel=\"category tag\">Software<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/data-protection\/\" rel=\"tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/hardware-en\/\" rel=\"tag\">Hardware<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/software-en\/\" rel=\"tag\">Software<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Is smartphone Wi-Fi a security risk? This article analyzes in detail threats such as evil twin attacks and explains protective measures for when you're on the go. We also clarify why home Wi-Fi is usually secure and how you can effectively separate your smart home from sensitive data using a guest network.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/smartphone-wi-fi-security-public-hotspots-vs-home-network\/\" aria-label=\"More on Smartphone Wi-Fi security: Public hotspots vs. home network\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-2-post-63519\" class=\"fusion-post-medium-alternate post-63519 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-artificial-intelligence-en category-microsoft-excel-en category-microsoft-office-en category-software-en tag-artificial-intelligence tag-excel-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">24<\/span><span class=\"fusion-month-year\">11, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Warum dein Excel-Kurs Zeitverschwendung ist\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Warum-dein-Excel-Kurs-Zeitverschwendung-ist-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">\n\t\t\t\t\t\tWarum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\" aria-label=\"Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\">Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-11-26T06:12:46+01:00<\/span><span>November 24th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/artificial-intelligence-en\/\" rel=\"category tag\">Artificial intelligence<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/microsoft-office-en\/microsoft-excel-en\/\" rel=\"category tag\">Microsoft Excel<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/microsoft-office-en\/\" rel=\"category tag\">Microsoft Office<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/software-en\/\" rel=\"category tag\">Software<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/artificial-intelligence\/\" rel=\"tag\">AI<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/excel-en\/\" rel=\"tag\">Excel<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Hand aufs Herz: Wann hast du zuletzt eine komplexe Excel-Formel ohne Googeln getippt? Eben. KI schreibt heute den Code f\u00fcr dich. Erfahre, warum klassische Excel-Trainings veraltet sind und welche 3 modernen Skills deinen Marktwert im B\u00fcro jetzt massiv steigern.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/warum-dein-excel-kurs-zeitverschwendung-ist\/\" aria-label=\"More on Warum dein Excel-Kurs Zeitverschwendung ist &#8211; was du wirklich lernen solltest!\">Read More<\/a><\/div><\/div><\/article>\n<article id=\"blog-2-post-63071\" class=\"fusion-post-medium-alternate post-63071 post type-post status-publish format-standard has-post-thumbnail hentry category-shorts-and-tutorials-en category-data-protection category-homeoffice-en tag-data-protection tag-homeoffice-en\">\n<div class=\"fusion-date-and-formats\"><div class=\"fusion-date-box updated\"><span class=\"fusion-date\">16<\/span><span class=\"fusion-month-year\">11, 2025<\/span><\/div><div class=\"fusion-format-box\"><i class=\"awb-icon-pen\" aria-hidden=\"true\"><\/i><\/div><\/div>\t<style type=\"text\/css\">\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t<\/style>\n\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper fusion-image-size-fixed\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"320\" height=\"202\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-320x202.jpg\" class=\"attachment-blog-medium size-blog-medium wp-post-image\" alt=\"Cybersicherheit\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-320x202.jpg 320w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2025\/11\/Cybersicherheit-700x441.jpg 700w\" sizes=\"(max-width: 320px) 100vw, 320px\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"fusion-rollover-link\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen<\/a>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"fusion-rollover-title\">\n\t\t\t\t\t<a class=\"fusion-rollover-title-link\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">\n\t\t\t\t\t\tCybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\t\t\t\t\t<\/a>\n\t\t\t\t<\/h4>\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\" aria-label=\"Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content post-content\"><h2 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\">Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen<\/a><\/h2><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/ms-office-training.de\/en\/author\/msuhr\/\" title=\"Posts by Michael\" rel=\"author\">Michael<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2025-11-16T17:42:53+01:00<\/span><span>November 16th, 2025<\/span><span class=\"fusion-inline-sep\">|<\/span>Categories: <a href=\"https:\/\/ms-office-training.de\/en\/category\/shorts-and-tutorials-en\/\" rel=\"category tag\">Shorts &amp; Tutorials<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/data-protection\/\" rel=\"category tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/category\/homeoffice-en\/\" rel=\"category tag\">Homeoffice<\/a><span class=\"fusion-inline-sep\">|<\/span><span class=\"meta-tags\">Tags: <a href=\"https:\/\/ms-office-training.de\/en\/tag\/data-protection\/\" rel=\"tag\">Data Protection<\/a>, <a href=\"https:\/\/ms-office-training.de\/en\/tag\/homeoffice-en\/\" rel=\"tag\">Homeoffice<\/a><\/span><span class=\"fusion-inline-sep\">|<\/span><\/p><div class=\"fusion-post-content-container\"><p>Hacker brauchen keine Codes, sie brauchen nur einen unaufmerksamen Mitarbeiter. Von Passwort-Recycling bis zum gef\u00e4hrlichen Klick: Wir zeigen die drei h\u00e4ufigsten Fehler im B\u00fcroalltag und geben praktische Tipps, wie Sie zur menschlichen Firewall werden.<\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"fusion-meta-info\"><div class=\"fusion-alignright\"><a class=\"fusion-read-more\" href=\"https:\/\/ms-office-training.de\/en\/cybersicherheit-die-3-groessten-fehler-die-90-prozent-aller-mitarbeiter-machen\/\" aria-label=\"More on Cybersicherheit: Die 3 gr\u00f6\u00dften Fehler, die 90% aller Mitarbeiter machen\">Read More<\/a><\/div><\/div><\/article>\n<\/div><div class=\"fusion-infinite-scroll-trigger\"><\/div><div class=\"pagination infinite-scroll clearfix\" style=\"display:none;\"><span class=\"current\">1<\/span><a href=\"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts\/51764\/page\/2\/\" class=\"inactive\">2<\/a><a class=\"pagination-next\" rel=\"next\" href=\"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts\/51764\/page\/2\/\"><span class=\"page-text\">Next<\/span><span class=\"page-next\"><\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><button class=\"fusion-load-more-button fusion-blog-button fusion-clearfix\">Load More Posts<\/button><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-75 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-48 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-43\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"heading\"><h4 class=\"widget-title\">Offers 2024: Word &#038; Excel Templates<\/h4><\/div>\t\t\t<div class=\"textwidget\"><div class=\"fusion-image-carousel fusion-image-carousel-auto fusion-image-carousel-2 fusion-carousel-border\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"3000\" data-autoplaypause=\"no\" data-columns=\"4\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"13\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"auto\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-columns:4;--awb-border-width:1px;--awb-border-color:#e9eaee;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/word-geschaeftsbriefvorlage-din5008-verschiedene-designs\/\" target=\"_self\"><img decoding=\"async\" width=\"735\" height=\"866\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Businessletter-2024.jpg\" class=\"attachment-full size-full\" alt=\"Geschaeftsbriefvorlage 2024 - International - DIN 5008\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Businessletter-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Businessletter-2024-400x471.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Businessletter-2024-600x707.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Businessletter-2024.jpg 735w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/excel-urlaubsplaner-2024-download\/\" target=\"_self\"><img decoding=\"async\" width=\"734\" height=\"865\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Urlaubsplaner-2024.jpg\" class=\"attachment-full size-full\" alt=\"Excel Urlaubsplaner 2024 \" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Urlaubsplaner-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Urlaubsplaner-2024-400x471.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Urlaubsplaner-2024-600x707.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Urlaubsplaner-2024.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/download-briefvorlage-word-din5008-mit-formularfeldern\/\" target=\"_self\"><img decoding=\"async\" width=\"736\" height=\"867\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Briefvorlage-2024.jpg\" class=\"attachment-full size-full\" alt=\"Word Briefvorlage 2024 - DIN 5008\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Briefvorlage-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Briefvorlage-2024-400x471.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Briefvorlage-2024-600x707.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Briefvorlage-2024.jpg 736w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/personalplaner-2024-excel-download\/\" target=\"_self\"><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/excel-rechnungsvorlage-mit-mehrwertsteuer-und-stammdaten\/\" target=\"_self\"><img decoding=\"async\" width=\"734\" height=\"867\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024.jpg\" class=\"attachment-full size-full\" alt=\"Excel Rechnungsvorlage mit Steuer und Stammdaten\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-400x472.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024-600x709.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RV_DE-2024.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/excel-rechnungsvorlage-schweiz-download\/\" target=\"_self\"><img decoding=\"async\" width=\"734\" height=\"867\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RVCHF-2024.jpg\" class=\"attachment-full size-full\" alt=\"Excel Rechnungsvorlage Schweiz 2024 - mit Stammdaten\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RVCHF-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RVCHF-2024-400x472.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RVCHF-2024-600x709.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-RVCHF-2024.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/excel-haushaltsbuch-mit-dashboard-und-boersenindizes\/\" target=\"_self\"><img decoding=\"async\" width=\"734\" height=\"865\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/Produktbild-Haushaltsbuch-1.jpg\" class=\"attachment-full size-full\" alt=\"Excel Haushaltsbuch 2024\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/Produktbild-Haushaltsbuch-1-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/Produktbild-Haushaltsbuch-1-400x471.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/Produktbild-Haushaltsbuch-1-600x707.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2023\/05\/Produktbild-Haushaltsbuch-1.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-liftup\"><a href=\"https:\/\/ms-office-training.de\/shop\/serienbriefvorlage-word-din5008-download\/\" target=\"_self\"><img decoding=\"async\" width=\"736\" height=\"867\" src=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-Serienbriefvorlage-2024.jpg\" class=\"attachment-full size-full\" alt=\"Word Serienbrief Vorlage - 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Business Bundle 2024\" srcset=\"https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-KU-Business-Bundle-2024-200x236.jpg 200w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-KU-Business-Bundle-2024-400x472.jpg 400w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-KU-Business-Bundle-2024-600x709.jpg 600w, https:\/\/ms-office-training.de\/wp-content\/uploads\/2022\/08\/Produktbild-KU-Business-Bundle-2024.jpg 734w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 717px) 470px, (min-width: 691px) 627px, (min-width: 666px) 691px, (min-width: 640px) 666px, \" \/><\/a><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-76 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-49 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-42\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><\/div>\n\t\t<\/div><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-77 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-50 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-78 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last fusion-animated\" style=\"--awb-bg-size:cover;\" data-animationType=\"fadeInUp\" data-animationDuration=\"1.0\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-alert alert custom alert-custom fusion-alert-left awb-alert-native-link-color\" style=\"--awb-background-color:#ffffff;--awb-accent-color:#040082;--awb-border-size:0px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"alert-icon\"><i class=\"fa-twitter fab\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-alert-content\"><a href=\"https:\/\/twitter.com\/webdesign_ms?lang=de\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><span style=\"color: #0000ff;\">Follow us on Twitter<\/span><\/a><\/span><\/div><\/div><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-51 fusion-content-widget-area\" style=\"--awb-title-size:21px;--awb-title-color:#002baf;--awb-padding:0px 0px 0px 0px;\"><div class=\"fusion-additional-widget-content\"><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The digital euro &#8211; The digital wallet and the ID will come. And they will also become mandatory in many areas. The plans are very specific.<\/p>\n","protected":false},"author":3,"featured_media":51743,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"give_campaign_id":0,"footnotes":""},"categories":[2875,300,3602,1200],"tags":[3588,3619],"class_list":["post-51764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-shorts-and-tutorials-en","category-data-protection","category-hardware-en","category-ecommerce-finance","tag-finance","tag-short-news-en"],"_links":{"self":[{"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts\/51764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/comments?post=51764"}],"version-history":[{"count":0,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/posts\/51764\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/media\/51743"}],"wp:attachment":[{"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/media?parent=51764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/categories?post=51764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ms-office-training.de\/en\/wp-json\/wp\/v2\/tags?post=51764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}