That my friend is arrogance and misinformation being spread by the media in first world countries. Did you know this?
M-Pesa (M for mobile, pesa is Swahili for money) is a mobile phone-based money transfer, financing and microfinancing service, launched in 2007 by Vodafone for Safaricom and Vodacom, the largest mobile network operators in Kenya and Tanzania.
This was 2 years before Bitcoin was launched. So they used a digital
I am a global contract worker, and I work in both 1st world and 3rd world countries and I can tell you that the only thing keeping these people from being as successful as 1st world countries are good leadership