Will Digital Currencies and Fintech Solve the Financial Inclusion problem?

Cato Institute | Diego Zuluaga | Spring/Summer 2021 America’s financial inclusion problem is usually expressed as the percentage of households — 5.4 percent at last count, according to the Federal Deposit Insurance Corporation (FDIC 2020: 1) — who lack a bank account. When the Libra Association first announced its plan to launch a private digital currency for

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