Critical Thinking Response:
By doing research first, Cardano was able to arrive at a unique system/process that no other system or technology had used before. This two-layer system benefits Cardano and those using the digital economy by allowing for faster yet secure processing of the various transactions done on each layer. The barriers to finance are accessibility and credit. Cardano would find to get people who have limited internet/app accessibility with more access to those things and focusing on people with minimal credit.
