> Do you know why people aren't using it? 35% of the remittances are paid by banks, but I do not have numbers on how many of them are paid via an app. El Salv

> Do you know why people aren't using it? 35% of the remittances are paid by banks, but I do not have numbers on how many of them are paid via an app. El Salvador's informal economy is cash-based, doing business mostly with the small businesses in their neighborhood. I guess they don't have an account because they don't need them or because they don't have enough money to save. Other's want to avoid monthly fees that some of the traditional paper based bank accounts have. People who need a bank accounts do open them. Like for receiving a wage from a 'formal' business or having to do electronic payments (like paying a landlord who lives in another town). > How hard is it to get an ID card? This is something El Salvador does very well. Our ID/Passport issuing system is really state of the art. I'd say it takes about 45 minutes to get an ID card or a passport. I've seen this take weeks or months in other countries. The first ID card is free, renewals cost about $10 every eight years. There were edge cases though, like older people who's birth certificates were lost in town hall fires which were common during the war in the 80s. Or people who had duplicate but different birth certificates. In those cases they had to go through a longer process to replace their birth records and then apply for an ID card.