Thank you for your reply and interesting question. The area of unbanked is super interesting for many reasons, and the way to address it would be to be much more inclusive and lower the barrier, to enable as many people as possible to become banked in one way or the other. Obviously if as many as possible would be banked, and get a safe and controllable way of managing their income and other assets, it would be of great value to both the society as well as the individual. A truly cashless society is most likely many years ahead, due to the inherent trust we have in physical notes and coins.

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