We dive in and present a systematic literature review examining how decentralized finance (DeFi) can enhance the quality, affordability, access, and usage of financial services, particularly for underserved populations. The study concludes that DeFi, utilizing blockchain technology, can significantly improve financial accessibility and usability by eliminating intermediaries and reducing barriers, thus promoting global financial inclusion. It also highlights specific mechanisms like decentralized lending and digital wallets through which DeFi benefits marginalized communities. The article acknowledges limitations due to current data availability and suggests future research areas regarding DeFi's scalability and long-term effects.

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Our research investigates decision-makers' motivations for adopting blockchain technology (BCT) in government settings, acknowledging its inherent complexity and uncertainty. Employing a grounded theory approach with semi-structured interviews, the research identifies knowledgeable stakeholders, a strong business case, sufficient resources, and a supportive environment as motivators in the pre-adoption phase. Conversely, uncertain project continuity, limited legislation, and internal regulations are highlighted as demotivators. The study offers unique insights by combining theoretical perspectives with empirical data, emphasizing the specific challenges and considerations of BCT in the public sector.

A comprehensive overview of the crypto ecosystem, exploring its origins with Bitcoin and its evolution into a diverse landscape of cryptocurrencies, tokens, and Decentralized Finance (DeFi) applications. It examines the underlying technologies such as blockchain and Distributed Ledger Technology (DLT), while also categorizing and explaining various crypto assets. The authors discuss the key players in this ecosystem and analyze the evolving regulatory frameworks in the EU and US. Finally, the paper critically evaluates the core tenets of crypto ideology, assessing the realized promises and persistent challenges within this rapidly expanding financial sector.