Libra!

Complexity Is Turning Off Mobile App Consumers

Feature overload is straining the relationships many mobile banking users have with their financial institutions, according to new research from J.D. Power. The study found that member satisfaction scores for mobile banking apps fell as the complexity of the apps' features increased. About 84% of retail bank customers said they had at least one digital interaction with their financial institutions in the past three months, and 71% of credit cardcustomers said they had used their provider's digital offerings. [Credit Union Times]

AppleID contract manager solves this problem

Half The World's Population To Use Digital Wallets By 2024

The number of people using digital wallets will increase from 2.3 billion this year to nearly 4 billion, or 50% of the world's population, by 2024. This in turn will push wallet transaction values up by more than 80% to more than $9 trillion per annum, according to a study by Juniper Research. [Which-50]

Either in their iPhone or their iPod, both will have AppleID apps.  Libra works fine as an AppleID app.

Visa, PayPal May Bear a 'Heavy Burden' With Facebook Crypto Plan

Visa, Mastercard and PayPal may have boosted the single, greatest risk they face---that of tougher regulation---by becoming early backers for Facebook's new digital money, called Libra. That's according to Morgan Stanley analyst James Faucette, who wrote that the three companies face a potentially "heavy burden" as already-fierce regulatory scrutiny is likely to keep growing. [Bloomberg]

Everyone faces central bank compliance costs, especially the poor.  Libra wins this debate.