Agreed. It is so much easier for a user in the PH to download/install a digital currency wallet then open a bank account. The additional advantage is that they don't have to maintain a minimum balance and be constantly charged fees. They also control the wallet.
Incentives will definitely also encourage more users to join Steemit and the potential to earn more than a regular low paying salary anywhere else will keep them coming back. Access to technology, education on cryptocurrencies and platforms such as Steemit, and cheaper electricity costs will help foster substantial growth.
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