After reading the article (very long), I have the following views:
1. The evolution of currency forms follows the steps of the highly complex operation of the human economy, especially the industrial economy and commodity trade. Specifically, from physical currency, to precious metals, to credit currency, every upgrade is the continuous advancement of human cognition result.

2. Electronic currency is actually a revolutionary change in currency clearing transactions and convenience. For example, if online transactions are developed and run well, they can completely get rid of the problem of slow development of the banking industry due to the lack of overseas clearing banks.

This is the weakness of the banking industry. It is still in the development stage of personal checks and credit accounts. Using online clearing and trading systems, cloud computing and big data analysis and processing can better grasp the economic trend, better control practical assets, and bring The cost of currency transactions has dropped significantly.