Passage A 

Businesses of all sizes stand to gain in big ways. Businesses could save 25 billion hours of labor by switching from cash to digital payments. Some 90% of transactions in the developing world are in cash, but having to protect piles of currency deters owners from expanding, since they cannot be in two places at once. Firms that accept or pay with mobile payments gain ready access to sales records, allowing for better inventory management. In addition, digital payments create a data trail that enables lenders to assess the creditworthiness of even micro-enterprises. 

What’ s more, we estimate that improving access to financial services could add $3. 7 trillion to the GDP of emerging economies by 2025, or 6%--equal to 1. 5 times the current GDP of all of Africa. The additional GDP could create up to 95 million new jobs. The lowest-income countries stand to gain the most, adding as much as 10% to 12% to their GDP.