Cryptocurrency for the overcoming of the "digital divide" for commercial exchanges due to the lack of banking infrastructure in developing countries MARCO VALERI, Senior Lecturer in Organizational Behavior Niccolò Cusano University - Faculty of Economics Don Gnocchi Street 3, Rome, Italy marco.valeri@unicusano.it ROSARIO FONDACARO PhD student in “Governance and Management for business innovation” Niccolò Cusano University - Faculty of Economics Don Gnocchi Street 3, Rome, Italy rosario.fondacaro@unicusano.it ANDREA BARELLA Research Fellow in decentralized ledger technology International University College of Turin Piazza Carlo Felice 18, Turin, Italy. barella.andrea@gmail.com Abstract Purpose: This paper aims to evaluate where the application of new fintech solutions like blockchain and cryptocurrencies can be considered as an opportunity to overcome of the "digital divide" in the developing countries for commercial exchanges where there is a poor banking infrastructure or a low bank literacy and where the use of electronic money is not widespread. The research question is: Can an electronic money based on cryptocurrency be considered as a solution to fill the gap in the developing countries, where there’s a lack or poor use of electronic payment systems? Design/methodology/approach: This is a conceptual paper relying upon an understanding of the literature in the fields of technology, sociology, anthropology and regulatory, as applied to the topic of electronic payments and emerging new disruptive technologies like Distributed Ledger Technology. The research has been conducted by a literature reviewing on Scopus data base by searching the following keywords: electronic payments cryptocurrencies, stablecoin, globalcoin, blockchain. The searching period was set on the last 10 years. Finding: This paper discusses some scenarios to define new fintech electronic payment system in an evolving scenario of cryptocurrencies, social network commitments and different type of blockchain where it can be digitally transformed by using new fintech technologies to spread the use of electronic payments in the development countries. Practical implications: This paper could help to encourage researcher and entrepreneurs to evaluate and propose a digital transformation approach with the aim to apply new technology that improve the life of citizens in the developing countries and where there’s a lack of banking infrastructure and misuse of electronic payments. Social implications: This paper expands upon the understanding of how new fintech solution can be easily be integrated in the real life by using common devices like a mobile phone to be used as wallet for the daily expenses everywhere there’s an internet connection.