based on blockchain, using a platform built by Monetas.

This push towards mainstreaming digital currency, along with other experiments using blockchain, further show that Africa is a fertile ground for the testing and deploying new FinTech solutions, which is also backed up by the quickrewards surveys.

South Africa's Reserve Bank, for example, shared a smart contract with a number of other financial institutions through the Ethereum blockchain network, and ABSA, a subsidiary of Barclays Africa, joined the international R3 Blockchain Consortium.

Fintech in Africa tends to take a more practical route towards adoption, with solutions coming up to fill a gap, such as M-Pesa meeting the need for financial inclusion and remittance services in Kenya in 2007. Building on the continent's fintech innovations, startups have long driven growth in the sector,Depression and discrimination in the lives of women, transgender and gender liminal people in Ontario, Canada.
This article uses an intersectionality lens to explore how experiences of race, gender, sexuality, class and their intersections are associated with depression and unmet need for mental healthcare in a population of 704 women and transgender/gender liminal people from Ontario, Canada. A survey collecting demographic information, information about mental health and use of mental healthcare services, and data for the Everyday Discrimination Scale and the PHQ-9 Questionnaire for Depression was completed by 704 people via Internet or pen-and-paper between June 2011 and June 2012. Bivariate and regression analyses were conducted to assess group differences in depression and discrimination experiences, and predictors of depression and unmet need for mental healthcare services. Analyses revealed that