The FINTECH Book. Chishti Susanne

27

“Cryptocurrencies made legal in California”, 8 January 2015, http://www.bobsguide.com/guide/news/2015/Jan/8/cryptocurrencies-made-legal-in-california.html.

28

See the chapter entitled “Embracing the Connected API Economy” for further details.

29

Source: The World Bank; See also Raymond Zhong, “India Launches Program Giving Poor Access to Bank Accounts”, The Wall Street Journal, 28 April 2014, available at http://www.wsj.com/articles/india-government-launches-program-giving-poor-access-to-bank-accounts-1409234530.

30

See http://elibrary.worldbank.org/doi/pdf/10.1596/1813-9450-6025. See http://www.foundationcapital.com/admin/resources/whitepapers/p2p-lending-print-h-v20.pdf.

31

See http://www.foundationcapital.com/admin/resources/whitepapers/p2p-lending-print-h-v20.pdf.

32

See http://www.bloomberg.com/news/articles/2014-07-31/banks-face-hit-on-30-billion-in- overdraft-fees-from-cfpb-rules. See http://www.bankrate.com/finance/investing/fdic-study-outrageous-overdraft-fees-1.aspx.

33

See http://www.bankrate.com/finance/investing/fdic-study-outrageous-overdraft-fees-1.aspx.