A perennial question surrounding blockchain technology is: When will it make a mainstream impact? Understandably, enthusiasts in the industry are anxious to see this technology live up to its promise of empowering consumers, accelerating cross-border payments and bridging the financial inclusion gap for the under- and unbanked.
The reality is that today, its scope is limited. From what little data we have available about cryptocurrency adoption, we see that the pool of active users is relatively small in size and scope — largely millennial and largely male.
Lisa Nestor is the senior strategist at the Stellar Development Foundation.
Mary Saracco is the chief financial officer at Settle.
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