Beware overreliance on digital ID for financial inclusion. Policy is just as key

Welcome to the peak of inflated expectations for digital-ID onboarding for financial services.

All familiar with the remarkably long-lived Hype Cycle, a predictive model created by research firm Gartner, know that the peak is a heady time for a growing tech market. It is when the maximum amount of marketing hot air is produced and consumed.

Gartner calls what follows the trough of disillusionment, when buyers (and the media) realize that no matter what anyone says, only so much …

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