As Daisy discussed, FedNow isn't a centralized bank digital currency (CBDC), but it provides the framework for one.
I encourage you to read Daisy's FedNow article. It will give you a good idea of how digital payments will be initially billed as a convenience, then something we can't do business without. Read the article, and then imagine digital currency on a global scale.
This is in the works, too.
Worldwide digital currency
On April 10, the Digital Currency Monetary Authority (DCMA) launched its international central bank digital currency. Proponents claim that this Universal Monetary Unit (UMU, Ü) will be used exactly like any other form of digital money.
Side note: DCMA has also been referring to the Universal Money Units as Unicoin. However, since there is a separate cryptocurrency also going by the name "Unicoin," we'll refer to this as UMU. (source)