My Very important question (3 key points) for RSA - From the digital divide to inclusive innovation: the case of digital money

RSA - From the digital divide to inclusive innovation: the case of digital money:

Great panel discussions at RSA, gutted I could not join in person but glad I could listen in (on & off).

I'm slightly disappointed the panel only scratched the service (IMHO, too big panel!)

Particularly:
1) Good future: business models & who might be able to create a viable worldwide system was not explored.. &

2) Lessons from failures: good lessons learnt from non event of e-money regulation of UK (since 02'!) & apparent failures & lessons learnt from Mondex & others

3) Reasons for success so far, kenya & other african country example IMHO was mostly due to lack of choice/alternative & under-serviced (at times exploited) demographics..

Real question is: How does that translate to the rest of the world and who will devise a service that will be ubiquotus & add value to ALL!? Or is that not the purpose of e-money/digital money!?

BR
@GarethWong