What is one of the main responsibilities of central banks?

The main responsibility of central banks is to maintain financial stability. This encompasses a wide array of functions that ensure a stable and trustworthy financial system, including overseeing monetary policy, regulating banks, and acting as a lender of last resort during financial crises. By maintaining financial stability, central banks help to instill confidence in the financial system, control inflation, and support economic growth, all of which are essential for a healthy economy.

The other choices touch on activities related to payment systems or banking but do not encapsulate the broader mandate of central banks. Issuing credit cards and providing consumer loans are typically the roles of commercial banks, not central banks. While the creation of digital currencies is an emerging area of interest and development for some central banks, it is not a fundamental responsibility but rather a specific initiative that may develop under the broader goal of maintaining financial stability.