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Great read! I would suggest reading Bernard Lietaer's work on complementary currencies - start here: https://en.m.wikipedia.org/wiki/Bernard_Lietaer

Very good article Brett! 

This subject was discussed a lot in the Innotribe@Mumbai ("Connecting the unbanked") back in June this year. The main conclusion was that the p2p payments ecosystem needs all the players (including banks) to collaborate and build an inter-operable cross-border infrastructure. A noble goal!

As in the example that Alessandro mentions in Italy, banks should jump on this passing train.