Ahh yes LOL, it seems I just make you even more confused, because the quotes are now a bit chaotic. I'll snip everything to make it easier for whoever follows this thread.


I am not sure how will these regulations change over a short time span (one or two years, I mean), given that these countries are quite strict on money regulations. Yet at the same time, mass adoption of emoney and fintech brought a huge force that's almost impossible to resist.

In other note, wouldn't it be easier to attract people if you sell your product as an app? There are a lot of cashless transaction providers that didn't offer a card, they simply require the user to download an app, top it up with some credit, and the service is ready to use. No need to wait for a mailed card etc.