Yes, quite sure as I worked several years on this problem and I am speaking from my direct experience of working with and speaking to financial and micro-financ

Yes, quite sure as I worked several years on this problem and I am speaking from my direct experience of working with and speaking to financial and micro-finance institutions in 80+ countries (see my profile). A majority of the institutions I spoke with had establishing identity as their #1 problem. Methods existing in one place (e.g. the United States) does not mean that those methods are established and/or will work in another place (e.g. Sierra Leone). This is a multi-faceted problem that involves government, infrastructure, and technology. Further, there are improvements to be made even in the U.S. For instance, I cannot digitally establish my identity with several providers. Why? Because I do not and have never used credit and those providers rely on the "3 questions" KYC check via a credit bureau.