Well, the euro in your bank account is owned by the bank (they have custody) and nominally assigned to you.
A digital CBDC euro would be owned directly by the government, kept in an "account" controlled directly by that same government, which then they will allow you to use "your" (their) money.
The differences would have been more obvious 50 years ago when bank balances weren't just numbers on a screen like today.
Looks like a centralized alternative to a bank card. Rather than using an existing network like Visa or MasterCard as the backbone it appears that their intent is to build their own separate system. The project is still in the planning phase though, so what it eventually looks like (if it ever happens) is anyones guess.
