Distributed Ledgers: An Unlikely Ally Of Development?

Although blockchain's existence dates back to 2009, only in the last two years has the technical concept underpinning Bitcoin escaped its pigeonholing to the cryptocurrency. Often referred to by its more generalist nomenclature, distributed ledger
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Stacking the Deck in India's Favor

Over the past several years, Mondato Insight has repeatedly turned its attention to Digital Finance and Commerce (DFC) developments in India, from the introduction of the Aadhaar biometric identity card to, more recently, the surprise
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The Battle for Southeast Asia

While the Asia-Pacific region is the world's largest e-commerce market, China still monopolizes digital retail and accounts for nearly half of sales. Business is booming for online retailers in the region, and the Asian Development
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Mobile Money And The Curse Of Dormant Accounts

It is a curse that has rattled formal financial service providers both big and small, from players with billion dollar revenues to grassroots microfinance institutions. While the number of registered mobile money accounts is often
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Money20/20: What Woz, and What Shall Be

If there is a monetary equivalent to the ever-elusive physics “Theory of Everything,” whereby one could conjure a single thesis to explain all there is to know about the fast-expanding universe of payments, fintech and
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Cash Is King, But Are Checks His Queen?

The prevalence of checks in the U.S. economy often surprises visitors. It may come as a shock to many outside the United States, but it is entirely commonplace for a business in the U.
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The Remittance Matrix: Price, Channel And Corridor

For many, international remittances are a financial life-preserver. Transfers initiated by diaspora or migrant communities buoy up and stabilize the incomes for populations at risk of economic volatility. In 2016 alone, flows worth $575 billion
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Is Your Country Ready To Go Cashless?

As Mondato Insight has often discussed in a variety of contexts, there are two fundamental requirements for any country or economy to make the shift from physical cash to a cashless payments ecosystem: the physical/
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