It was the talk since 2017 but I think this year was more on adoption specially many country has an economic collapse they don't want the paper money they just want is to be alive and safety so there was a possible that the crypto would be the next money or they are going to use the virtual currency if I'm not mistaken there was a atm machine for bitcoin in Hong Kong so we can say that the adoption was started maybe on the next years we don't have paper money we just have is virtual.money that you are carrying on your pocket.