Even if eMoney within value chains will not materially impact digital liquidity, eMoney is still valuable. Some benefits are direct, such as lower cash handling costs. Other benefits are indirect, such as improving access to credit through transaction histories. In some cases, eMoney is part of a much larger solution with broad benefits, such as subsidy programs that improve food security. The justification for eMoney should not and does not need to rest on digital liquidity alone. What are the implications for strategists and policy makers? For those focused on driving eMoney adoption and achieving digital liquidity, it is important to remember that value chains are just one use case for furthering adoption and digital liquidity. Accordingly, strategists and policy makers should evaluate a range of use cases and evaluate how value chains fit into the roadmap.
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