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Photo by Timon Studler on UnsplashCryptocurrencies, such as Bitcoin and Ethereum, have disrupted traditional financial systems and gained popularity among investors and consumers alike. However, their decentralized and unregulated nature has also raised concerns about consumer protection and financial stability. In this article, we will explore the regulation of cryptocurrencies, balancing innovation and consumer protection, citing notable publications and personalities.The Rise of CryptocurrenciesThe rise of cryptocurrencies has been accompanied by a wave of enthusiasm and speculation. According to a report by Reuters, the total market capitalization of cryptocurrencies exceeded $2.5 trillion in 2021, up from $18 billion in 2013. This growth has been fueled by a range of factors, including the perceived benefits of decentralization, security, and anonymity.The Need for RegulationHowever, the unregulated nature of cryptocurrencies has also led to concerns about consumer protection and financial stability. Cryptocurrencies are not subject to the same regulatory standards as traditional financial systems, leaving consumers vulnerable to fraud, theft, and market manipulation. As noted by Forbes, the lack of regulation has also made it difficult for law enforcement to combat money laundering and other illicit activities.Balancing Innovation and Consumer ProtectionThe challenge for regulators is to balance innovation and consumer protection in the rapidly evolving world of cryptocurrencies. While some argue that excessive regulation could stifle innovation and hinder the growth of the industry, others contend that regulation is necessary to protect consumers and maintain financial stability.Current Regulatory FrameworkCurrently, the regulation of cryptocurrencies varies widely across countries and jurisdictions. Some countries, such as Japan and Switzerland, have implemented comprehensive regulatory frameworks for cryptocurrencies, while others, such as the United States and China, have taken a more cautious approach. The lack of global standards for cryptocurrency regulation has led to calls for greater international cooperation and coordination.Notable Figures and OrganizationsSeveral notable figures and organizations have weighed in on the regulation of cryptocurrencies. Mark Carney, former governor of the Bank of England, has called for a global regulatory framework for cryptocurrencies to address financial stability concerns. The International Monetary Fund has also emphasized the need for regulation, stating that “cryptocurrencies present risks to consumers and investors, as well as potential risks to financial stability and integrity.”The Future of Cryptocurrency RegulationThe future of cryptocurrency regulation remains uncertain. Some countries, such as El Salvador, have recently adopted Bitcoin as legal tender, while others continue to grapple with the question of how best to regulate the industry. As noted by CNBC, “the challenge for regulators is to strike the right balance between protecting investors and fostering innovation in a rapidly evolving industry.”ConclusionThe regulation of cryptocurrencies is a complex and multifaceted issue that requires careful consideration of innovation and consumer protection. While excessive regulation could stifle innovation, the lack of regulation could also leave consumers vulnerable to fraud and other risks. As the cryptocurrency industry continues to evolve, it will be important for regulators to strike the right balance between innovation and protection.The Regulation of Cryptocurrencies: Balancing Innovation and Consumer Protection. was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Paul Fiedler on UnsplashCentral banks have always played a crucial role in the global economy, regulating money supply, interest rates, and other monetary policies. However, the rise of digital currencies and blockchain technology has challenged the traditional role of central banks, leading many to wonder if they will adopt digital currencies. In this article, we will explore the potential future of central banks and digital currencies, citing notable publications and personalities.The Growth of Digital CurrenciesDigital currencies, such as Bitcoin and Ethereum, have grown significantly in popularity and value in recent years. According to Forbes, the total market capitalization of digital currencies exceeded $1.7 trillion in 2021, up from $146 billion in 2017. This growth has led many to speculate that digital currencies could one day rival or even replace traditional fiat currencies.The Role of Central BanksCentral banks have historically been responsible for regulating and overseeing the money supply and interest rates of their respective countries. However, the rise of digital currencies has challenged this traditional role, as digital currencies are often decentralized and not subject to central bank control. As noted by The Economist, this has led many to question whether central banks will adopt digital currencies or risk becoming irrelevant.Potential Benefits of Digital Currencies for Central BanksDespite the challenges posed by digital currencies, there are potential benefits for central banks that choose to adopt them. According to a report by the Bank for International Settlements, digital currencies could allow central banks to better manage money supply and payment systems, increase financial inclusion, and reduce fraud and money laundering. Additionally, digital currencies could help central banks compete with private payment systems and currencies, such as Bitcoin and Facebook’s proposed Diem currency.The Risks of Digital Currencies for Central BanksHowever, there are also risks associated with central banks adopting digital currencies. One concern is that digital currencies could reduce the effectiveness of traditional monetary policy tools, such as interest rates. Additionally, digital currencies could be vulnerable to cyber attacks and other security risks, potentially compromising financial stability. Furthermore, some argue that central bank digital currencies could infringe on individual privacy and freedom.Current Developments in Central Bank Digital CurrenciesDespite the potential risks and benefits, many central banks are exploring or even developing their own digital currencies. China has made significant progress in developing its digital yuan, while the European Central Bank is currently considering a digital euro. The United States Federal Reserve has also expressed interest in exploring a digital dollar.ConclusionThe future of central banks and digital currencies remains uncertain. While there are potential benefits to adopting digital currencies, there are also significant risks and challenges that must be considered. Nonetheless, the growth and popularity of digital currencies suggest that central banks cannot ignore this trend. As noted by The Financial Times, “central banks need to explore the digital frontier if they are to remain relevant in the digital age.”The Future of Central Banks: Will They Adopt Digital Currencies? was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by regularguy.eth on UnsplashThe payments industry has undergone significant transformation in recent years, driven by advances in technology, changing consumer behavior, and the rise of digital and mobile payments. Here is an analysis of the current state of the payments industry and its trends, challenges, and opportunities:Current State: According to a report by Allied Market Research, the global digital payments market is expected to grow from $3.4 trillion in 2020 to $8.6 trillion in 2025, at a CAGR of 13.7%. This growth is driven by the increasing adoption of mobile payments, rising e-commerce transactions, and the need for contactless payments during the COVID-19 pandemic.Trends:Rise of Mobile Payments: Mobile payments are increasingly popular, with the growth of smartphone adoption and the convenience of mobile wallets such as Apple Pay, Google Pay, and Samsung Pay.Contactless Payments: The pandemic has accelerated the shift towards contactless payments, with consumers preferring contactless options over cash or cards.E-commerce Growth: The rise of e-commerce has driven the growth of online payments, with more consumers shopping online and the adoption of digital wallets.Challenges:Security: Payment security remains a significant challenge, with the need for robust security measures to protect against fraud and cyber-attacks.Interoperability: The lack of interoperability between different payment systems and providers remains a challenge, limiting the ability of consumers to use different payment methods seamlessly.Opportunities:Financial Inclusion: Digital payments offer an opportunity to increase financial inclusion, enabling people without bank accounts to access financial services.Innovation: The payments industry offers opportunities for innovation, with the potential for new payment methods, enhanced security measures, and improved user experiences.Key Players: Some of the key players in the payments industry include:PayPalSquare Inc.Stripe Inc.Visa Inc.Mastercard Inc.American ExpressAlipayWeChat PayShort and Long-Term Industry Forecast:In the short term, the payments industry is expected to continue its growth trajectory, driven by the increasing adoption of mobile payments, contactless payments, and e-commerce transactions. In the long term, the industry is expected to evolve further, with the potential for new payment methods and enhanced security measures.Potential Impact of Current Events or Future Developments:The COVID-19 pandemic has accelerated the shift towards contactless and digital payments, with more consumers opting for these payment methods to reduce physical contact. This trend is likely to continue, with the potential for new developments in the payments industry, including the adoption of digital currencies and blockchain technology. However, the industry will continue to face challenges around security and interoperability, which will need to be addressed to drive further growth and innovation.The current state of the payments industry today. was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Kanchanara on UnsplashThe Rise of Ethereum: Is It the New King of Cryptocurrencies?Ethereum, the second-largest cryptocurrency by market capitalization, has seen tremendous growth in recent years. The platform, which was launched in 2015, has emerged as a popular alternative to Bitcoin and is now being touted as the “new king of cryptocurrencies.” But is Ethereum really the future of cryptocurrencies, or is it just another passing trend?A Look at the Numbers: The Growth of EthereumThe growth of Ethereum has been nothing short of impressive. In 2019, the cryptocurrency was worth less than $200. By 2021, it had surpassed $3,000. This growth has been driven by increased demand for decentralized finance (DeFi) applications and non-fungible tokens (NFTs), both of which are built on the Ethereum blockchain.Experts Weigh In: The Pros and Cons of EthereumFinancial experts have mixed opinions on the future of Ethereum. On the one hand, many believe that the platform’s focus on decentralized finance and NFTs makes it a promising investment opportunity. On the other hand, others argue that the high fees and slow transaction times associated with Ethereum may make it less appealing to investors in the long run.The Future of Ethereum: What Does the Data Tell Us?Despite the ongoing debate, there is no clear consensus on what the future holds for Ethereum. Some experts predict that the cryptocurrency will continue to grow, while others believe that its value will eventually decline. However, it’s important to note that Ethereum has already proven to be a resilient and innovative platform, and it’s likely to play a major role in shaping the future of cryptocurrencies.Ethereum is a cryptocurrency that has seen tremendous growth in recent years and is being touted as the “new king of cryptocurrencies.” While some experts see it as a promising investment opportunity, others believe that its high fees and slow transaction times may make it less appealing in the long run. Only time will tell what the future holds for Ethereum, but one thing is certain: it’s a platform that is worth watching.Is Ethereum the New King of Cryptocurrencies? was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by André François McKenzie on UnsplashThe Debate Continues: Is Bitcoin a Bubble Ready to Burst?Bitcoin has been one of the most talked about and controversial topics in recent years. The cryptocurrency has seen explosive growth, with its value reaching an all-time high of nearly $64,000 in April 2021. However, many experts have raised concerns about whether this growth is sustainable and whether Bitcoin is a bubble that is ready to burst.The Rise of Bitcoin: A Look at the NumbersStatistics show that Bitcoin has indeed seen tremendous growth in recent years. In 2019, the cryptocurrency was worth less than $10,000. Two years later, it had surged to nearly $64,000. This growth has caught the attention of investors and has led many to question whether cryptocurrency is a wise investment or a risky bubble.Experts Weigh In: Is Bitcoin a Bubble?Opinions on Bitcoin are divided among financial experts. Some, like billionaire investor Warren Buffett, have publicly stated that they believe Bitcoin is a bubble that is bound to burst. Others, however, argue that cryptocurrency is a sound investment and that its growth is likely to continue in the future.The Future of Bitcoin: What Does the Data Tell Us?Despite the ongoing debate, there is no clear consensus on what the future holds for Bitcoin. Some experts predict that the cryptocurrency will continue to grow, while others believe that its value will eventually crash. Only time will tell whether Bitcoin is a bubble or a legitimate investment opportunity.The debate over whether Bitcoin is a bubble or a legitimate investment opportunity continues. While some experts see cryptocurrency as a sound investment, others believe that it is a bubble that is bound to burst. Only time will tell what the future holds for Bitcoin, and investors should approach the cryptocurrency with caution.Is Bitcoin a Bubble Ready to Burst? was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Hunters Race on UnsplashThe Revolution of Digital Wallets: The Future of PaymentsIn today’s fast-paced digital age, traditional payment methods such as cash and checks are becoming obsolete as more and more people turn to digital wallets for their transactions. Digital wallets, which allow consumers to store and use their payment information electronically, are quickly becoming the go-to payment method for many individuals and businesses. But why are digital wallets gaining so much popularity?The Advantages of Digital Wallets: Convenience, Security, and AccessibilityAccording to a report by Statista, the number of digital wallet users is expected to reach over 2 billion by 2023. This growth can be attributed to several factors, including increased security, convenience, and accessibility. Digital wallets offer a secure and convenient way to store and use payment information, without having to physically carry cash or credit cards. This is particularly appealing to consumers who are always on the go and need a fast and secure way to make payments.In addition, digital wallets are also more accessible than traditional payment methods. They allow consumers to make payments from anywhere, at any time, using just their mobile device. This means that consumers no longer have to worry about carrying cash or finding an ATM when they need to make a payment. Furthermore, digital wallets can also help reduce the risk of fraud and identity theft, as they use encryption and secure authentication to protect sensitive information.Popular Digital WalletsThere are many different digital wallets available, each with its own set of features and benefits. Some of the most popular digital wallets include Apple Pay, Google Pay, and PayPal. These digital wallets allow users to store their payment information and make purchases with their smartphones or other mobile devices. They also provide additional benefits such as rewards and discounts for using the wallet to make purchases.The Future of Payments: Digital Wallets and BeyondThe use of digital wallets is not limited to just making purchases. Digital wallets are becoming a popular choice for making peer-to-peer payments, paying bills, and even making charitable donations. As technology continues to advance and consumers become more comfortable with digital payments, it is likely that digital wallets will become an even more integral part of our daily lives. In fact, according to a report by Forbes, “digital wallets will soon replace traditional banking methods as the primary way consumers manage their money.”The Challenges of Digital WalletsDespite their many advantages, digital wallets do have some challenges. One of the biggest challenges is consumer trust. In order for digital wallets to become the go-to payment method, consumers need to trust that their payment information is secure and that their money will arrive at its intended destination. Another challenge is the need for widespread adoption. Digital wallets are only as useful as the number of merchants who accept them as a form of payment. Therefore, it is important for digital wallet providers to work with merchants and financial institutions to increase the number of locations where digital wallets can be used.Digital wallets are the future of payments. With their increased security, convenience, and accessibility, it is only a matter of time before they become the go-to payment method for consumers and businesses alike. The challenges of digital wallets can be overcome with time, as technology continues to advance and consumers become more comfortable with digital payments. It is time to embrace the revolution of digital wallets and see what the future of payments holds.The Impact of Cryptocurrencies on Traditional Banking and Financial Systems was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by CardMapr.nl on UnsplashThe Rise of Digital Wallets: The Future of PaymentsIn today’s digital age, traditional payment methods such as cash and checks are becoming less common as more people turn to digital wallets for their transactions. Digital wallets allow consumers to store and use their payment information electronically, making it easier and more convenient to make purchases.The Adoption of Digital Wallets Continues to GrowAccording to a report by Statista, the number of digital wallet users is expected to reach over 2 billion by 2023. This growth can be attributed to several factors, including increased security, convenience, and accessibility. Digital wallets offer a secure and convenient way to store and use payment information, without having to physically carry cash or credit cards. This is particularly appealing to consumers who are always on the go and need a fast and secure way to make payments.Popular Digital WalletsThere are many different digital wallets available, each with its own set of features and benefits. Some of the most popular digital wallets include Apple Pay, Google Pay, and PayPal. These digital wallets allow users to store their payment information and make purchases with their smartphones or other mobile devices. They also provide additional benefits such as rewards and discounts for using the wallet to make purchases.The Future of Payments: Digital Wallets and BeyondThe use of digital wallets is not limited to just making purchases. Digital wallets are becoming a popular choice for making peer-to-peer payments, paying bills, and even making charitable donations. As technology continues to advance and consumers become more comfortable with digital payments, it is likely that digital wallets will become an even more integral part of our daily lives.Digital wallets are becoming an increasingly popular payment method due to their convenience, security, and accessibility. As technology continues to advance, we can expect to see even more innovations in the world of digital wallets and payments.Why Digital Wallets are Becoming the Go-To Payment Method was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Nenad Novaković on UnsplashThe Impact of Blockchain Technology on Payments and RemittancesBlockchain technology has the potential to revolutionize many industries, including the payment and remittance sector. The decentralized and secure nature of blockchain technology makes it ideal for facilitating fast and secure transactions, with many experts hailing it as the future of money. In this article, we will explore how blockchain technology is changing the landscape of payments and remittances.An Overview of Blockchain TechnologyBlockchain technology is a decentralized digital ledger that records transactions across a network of computers. Each block in the chain contains a cryptographic hash of the previous block, making it difficult to alter or tamper with the information stored on the blockchain. This creates a secure and transparent system that can be used to track the ownership and transfer of assets, such as cryptocurrencies.Benefits of Blockchain Technology for Payments and Remittances Title: The Advantages of Blockchain Technology for Financial TransactionsThe decentralized nature of blockchain technology provides several benefits for payments and remittances. One of the main benefits is increased security, as the technology makes it difficult for fraudsters to steal sensitive information or alter transactions. Additionally, blockchain technology offers faster and more cost-effective transactions, as it eliminates the need for intermediaries such as banks or credit card companies.According to a report by the World Bank, global remittances, which include transfers of money from foreign workers to their home countries, reached $689 billion in 2019. The report states that blockchain technology has the potential to reduce the cost of remittances, making it easier and more affordable for workers to send money home.Blockchain Technology in Payments and RemittancesThere are several examples of blockchain technology being used in the payment and remittance sector, including:Cryptocurrencies, such as Bitcoin and Ethereum, which are used as a form of payment for goods and services.Decentralized payment platforms, such as Ripple, which use blockchain technology to facilitate fast and secure cross-border payments.Remittance platforms, such as BitPesa, which use blockchain technology to provide low-cost remittances to developing countries.According to a report by Forbes, decentralized payment platforms such as Ripple have the potential to change the way that we think about money transfers. The report states that “Ripple is using blockchain technology to build the internet of value, where money transfers are as easy and seamless as sending an email.”The Hurdles to Widespread Adoption of Blockchain TechnologyDespite the many benefits of blockchain technology, there are several challenges that must be overcome in order to facilitate widespread adoption. One of the main challenges is the lack of regulation, as many countries have yet to establish clear guidelines for cryptocurrencies and blockchain-based financial transactions. Additionally, the high volatility of cryptocurrencies, such as Bitcoin, can make it difficult for consumers and merchants to determine the value of a transaction.Another challenge facing blockchain technology is a lack of consumer trust. According to a report by CNBC, “many consumers are still skeptical about using digital currencies and blockchain-based financial services.” The report states that it will take time for consumers to become more familiar and comfortable with the technology, and for the industry to establish a reputation for security and reliability.The Future of Blockchain Technology in Payments and RemittancesBlockchain technology has the potential to revolutionize the payment and remittance sector, providing faster, more secure, and more cost-effective transactions. However, there are several challenges that must be overcome, such as the lack of regulation and consumer trust, in order to facilitate widespread adoption. Despite these challenges, the future of payments and remittances with blockchain technology is promising.According to a report by Coindesk, “the global blockchain market is expected to grow from $3 billion in 2020 to $39.7 billion by 2025, at a compound annual growth rate (CAGR) of 67.3% during the forecast period.” This rapid growth is a testament to the potential of blockchain technology and its potential to change the way we think about money transfers.In conclusion, the future of remittances and payments with blockchain technology is bright. As the technology continues to mature and become more widely adopted, we can expect to see faster, cheaper, and more secure transactions that will benefit consumers and businesses alike.How Blockchain Technology is Revolutionizing Payments and Remittances was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Jievani Weerasinghe on UnsplashThe Pros and Cons of Cryptocurrency PaymentsCryptocurrencies, such as Bitcoin and Ethereum, have gained a lot of attention in recent years, with many people turning to digital currencies as an alternative to traditional fiat currencies. Cryptocurrency payments offer several advantages, such as increased security and lower fees, but they also come with several disadvantages, such as volatility and a lack of widespread adoption. In this article, we will explore the advantages and disadvantages of cryptocurrency payments.The Benefits of Cryptocurrency PaymentsOne of the main advantages of cryptocurrency payments is increased security. Cryptocurrencies use encryption and blockchain technology to secure transactions, making it difficult for fraudsters to steal sensitive information. Additionally, cryptocurrencies offer more privacy than traditional payment methods, as transactions are recorded on a public ledger but linked only to a public key, not a user’s name or personal information.Another advantage of cryptocurrency payments is lower fees. Cryptocurrency transactions typically have lower fees compared to traditional payment methods, as they do not require intermediaries such as banks or credit card companies. This can result in significant savings for consumers and merchants.The Drawbacks of Cryptocurrency PaymentsDespite its advantages, there are several disadvantages to using cryptocurrency payments. One of the main disadvantages is volatility. Cryptocurrency prices can fluctuate dramatically, making it difficult to determine the value of a transaction. This can result in unexpected losses or gains for consumers and merchants.Another disadvantage of cryptocurrency payments is a lack of widespread adoption. While cryptocurrencies have gained popularity in recent years, they are still not widely accepted as a form of payment. This means that consumers may have difficulty finding merchants that accept cryptocurrency payments, and merchants may have difficulty finding consumers who are willing to pay with cryptocurrencies.Real-World Applications of Cryptocurrency PaymentsThere are several examples of cryptocurrency payments being used in the real world, including:Retail payments, such as buying goods and services with cryptocurrencies.Cross-border payments, such as sending money to friends and family in different countries using cryptocurrencies.Micropayments, such as paying small amounts for online content or services using cryptocurrencies.Balancing the Pros and Cons of Cryptocurrency PaymentsCryptocurrency payments offer several advantages, such as increased security and lower fees, but also come with several disadvantages, such as volatility and a lack of widespread adoption. When considering whether to use cryptocurrency payments, it’s important to weigh the pros and cons and determine whether the benefits outweigh the risks. With the continued growth and development of cryptocurrencies, however, the future of cryptocurrency payments looks bright, and it’s likely that we will see more widespread adoption in the future.Exploring the Advantages and Disadvantages of Cryptocurrency Payments was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.

Photo by Alistair MacRobert on UnsplashThe Future of Remittances: Technology Transforming Money TransfersRemittances, or the transfer of money from one individual or entity to another, have been a crucial part of the global economy for decades. However, traditional remittance methods, such as wire transfers or money orders, have often been slow, costly, and lacking in security. With the advancement of technology, however, the future of remittances is looking brighter, with new and innovative solutions making it easier and more secure to send money across borders. In this article, we will explore how technology is transforming the future of remittances.Digital Payments Revolutionizing the Future of RemittancesOne of the most significant advancements in the future of remittances has been the growth of digital payments. Platforms such as PayPal, Venmo, and Alipay have made it possible to send money instantly and at a low cost, without the need for a traditional bank. The rise of cryptocurrencies, such as Bitcoin, has also had a significant impact, allowing for fast, secure, and low-cost cross-border transactions.According to a World Bank report, the growth of digital payments has resulted in a significant increase in the volume of remittances, with global remittances reaching $689 billion in 2018.Improved Security with Cutting-Edge Technology in RemittancesThe future of remittances is not only about speed and convenience but also about increased security. With the rise of digital payments and cryptocurrencies, new security measures are being introduced, such as encryption, multi-factor authentication, and blockchain technology. These measures ensure that remittances are protected from fraud and hacking, and give consumers peace of mind when sending money across borders.The Cost-Saving Benefits of Technology in RemittancesAnother advantage of technology in the future of remittances is the ability to lower costs. Traditional remittance methods, such as wire transfers and money orders, often incur high fees for intermediaries, such as banks. With digital payments and cryptocurrencies, however, the need for intermediaries is reduced, leading to lower fees for consumers. According to a report by the World Bank, the average cost of sending $200 in remittances has fallen from 9.67% in 2008 to 7.45% in 2018, thanks to the growth of digital payments and cryptocurrencies.Real-World Examples of Technology Transforming RemittancesThere are many examples of technology transforming the future of remittances, including:Mobile wallets, such as M-Pesa in Kenya, allow individuals to send and receive money using their mobile phones.Cross-border payment platforms, such as TransferWise, offer low-cost and fast international transfers.Cryptocurrency remittances, such as BitPesa, allow for fast, secure, and low-cost transfers using cryptocurrencies.The Future is Bright for RemittancesThe future of remittances is being transformed by technology, with new and innovative solutions making it easier, faster, and more secure to send money across borders. From digital payments to cryptocurrencies, the growth of technology is changing the face of remittances, offering consumers a more convenient and cost-effective way to send money. With the continued advancement of technology, the future of remittances looks bright and full of potential.The Future of Remittances: How Technology is Making Money Transfers Easier and More Secure was originally published in Piccopay Pte. Ltd. on Medium, where people are continuing the conversation by highlighting and responding to this story.