It's not quite clear what they're getting at. "Rate of change of digital evolution 2008-2013" is a strange metric. (There's an annoying tendency in the financial community to focus on rates of change, rather than absolute values; that's a trader's viewpoint.)<p>They seem to be observing that the countries with really lousy payment systems are finally getting usable ones. The US and parts of Europe have had good payment systems for decades. Google Pay, Apple Pay, Facebook Credits, and Bitcoin aren't badly needed in those countries, which is why they don't have much traction. In India, Amazon is still using COD (cash on delivery) payments. That's a real market for new payment systems.
My professor once said, "If you want to make money as a consultant, invent an index." You'll make the low scores panic and pay for advice. You'll make the high scores preen and pay for your lectures.
In Romania we use COD as well, and we have local alternatives to Ebay, Amazon and other similar services. Seems like we are a small market that doesn't warrant attention from the big players.