Robuta

https://eprints.cdu.edu.ua/6954/
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https://www.digitaljournal.com/tech-science/millions-locked-out-through-financial-exclusion-but-new-solutions-emerging/article
The worst part is that financial exclusion hits the communities that need financial services the most and the hardest
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https://www.techmonitor.ai/comment-2/how-digital-id-can-help-fix-financial-exclusion
Oct 15, 2025 - A carefully designed national digital ID could help millions of excluded people access fair finance in the UK.
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