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Table of Contents
| Introduction | 6 |
| Digital Money Readiness Index | 10 |
| Moving Up on the Readiness Scale | 13 |
| Relationship between the Index and Cashless Intensity | 19 |
| Quantifying the Benefits of Digital Money Adoption | 21 |
| Conclusion | 25 |
| Appendix I: Index Construction and Calculation | 26 |
| Appendix II: Estimating the Economic Impact of Digital Money Adoption | 29 |