Despite concerns over the unbridled speculation that has inflated the value of cryptocurrencies and initial coin offerings, many governments have embarked on cryptocurrency initiatives that may render them legal tender in the not too distant future. Meanwhile, the march away from cash and cheques continues at an unrelenting pace. And we have a lot to thank the technology disruptors such as Safaricom (MPesa), Alibaba and Tencent for. From a practical perspective, they have finally broken the barrier to access cashless payments for literally billions of people in the underdeveloped and developing economies, long neglected by the incumbent financial services industry.
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