Sorry if this is naive, but how is this different to electronic currency? The whole difference between cryptocurrencies and electronic currency, is that cryptos

Sorry if this is naive, but how is this different to electronic currency? The whole difference between cryptocurrencies and electronic currency, is that cryptos are decentralised and have a public ledger. A CBDC (central bank digital currency) does not have a public ledger, and is not distributed. If they are using a blockchain internally (an entirely pointless concept done only for the addition of a buzzword to their webpage), that doesn't make it a crypto in the currently known sense. So I ask again: how is this different to digital/electronic currency that already exists? I can open my bank app, check the funds, send them to another person instantly. None of that involved paper, and all of it was backed and controlled by the central bank. What makes this any different?