I am avoiding direct deposits but that seems to be better for a start. Options open in this.
India Mostly and the third world countries.
De centralized is going to take lot of time. I personally support de centralized If we can pull it on time De centralized is way better.
The moment you try to create an exchange you are 'centralizing' it. When you go down, you will hamper the market you were catering to. A traditional exchange cannot ever be 'Decentralized'. However, if you were to somehow involve an instant swap method. That way no one is actually holding any coins on your exchange. THEN you could kinda call it decentralized.
If you want to discuss this idea, you know how to reach me.