The remittance industry is one that's ripe for innovation, which brings direct value to its users. In 2018, the World Bank Group launched its Greenback 2.0 initiative with Kota Kinabalu as a champion city. In a short two years, over 140,00 new users signed up for e-remittances - bringing the cost of sending money abroad down from 4.5% to 2.2%.
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