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The book is better when focusing on the real implications of moving away from cash: a particularly good chapter details the mobile banking revolution in the developing world, which is allowing countries such as Kenya to leapfrog the need for expensive ATM and banking infrastructure.
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By informing borrowers that they would likely be unable to take out another covered loan for the full amount of their current loan within 30 days of repaying the current loan, the disclosure may help lenders reduce defaults by borrowers who are unable to repay the loan, even in part, without reborrowing.
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Valid from January 1, 2017 – April 15, 2017.