With banks a lot of things go towards simplicity. If we bring out the QR code payments with apps on app stores and allow people to make use of Hive for small transactions locally. That would help adopt it lot quicker than the banks. I suppose making things simpler for the average citizens who can't do with lot of passwords, keys etc needs to be considered too.
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That is true but not what I am referring to. This situation is less opaque. What you know about banking is now what is at the core of banking. This is surface level stuff and not where the real power structure is.
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