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.