India has the deepest decline in the major economies. The disease is on the rise in India due to its large population (about 1.3 billion people) and low health, housing, and living conditions. The disease is easy to develop and spread safely in the slums.
In 2020 the government will spend billions of dollars to bring the epidemic under control.
It seems that their ability to control the disease is still difficult, even though measures are being taken to prevent them.

I would choose digital banking because it helps to promote the monetary system in the developed country, but investing I would choose bitcoin.
The reason: more transparency means less money laundering and congestion, better system liquidity, etc.
Bitcoin was launched in 2009, and Satoshi quickly mined himself 2 million bitcoins before releasing the source code to anyone. Those who owned the first bitcoins became rich. The latecomers are at higher risk. Bitcoin has more speculative and manipulative value in the market as people have seen bulls and bears in history. I would choose Bitcoin to invest in because it has long term value.

I find the best trading platforms out there including Binance, Bittrex, Houbi, Coinbase Pro, Gemini, and Upbit.
The reason I voted like that is that:
Houbi, Bittrex has a long and reputable history, and no attacks have occurred on the platform yet.
Upbit and Binance have high trading volume and high FOMO on listing.
Coinbase and Gemini are very reputable and only list cryptocurrencies with a clear origin and projects on these platforms are of high quality.
Things I don't like about the above platforms:
Bittrex, Houbi, Binance, and Upbit list many projects but many have been accused of scams and manipulated trading volumes.

It's great that bitcoin is in sixth place. In the future I think bitcoin will take a higher position, bitcoin has already proven its worth as a decentralized currency. Bitcoin has only been around for 10 years, but the results have been staggering. The battle between fiat currency and Bitcoin continues, I believe Bitcoin will win. That is the law of growth.

It is possible to enter the DEFI market through CEX and DEX. People can lock up their assets on a smart contract.
Trading on DEX is riskier because tokens are not clear about the DEV pool and there may be scams but when trading on large CEX we may find that these coins have to deposit a fee to list is listed there. In a centralized platform, it is still possible to create contracts for everyone to participate in DEFI.

People dumped because they believe they can buy them at a lower price, thereby causing the value of cryptocurrencies to continuously decrease. Dumping will destroy the entire market, it will take a lot of money to get the market back.
Keeping your tokens and coins, projects may be successful in the future or they may fail. It all depends on DEV, if they stop then the cryptocurrency will die. Since nothing is certain, very few people keep it.

Like bitcoin, when redevelopment rights are transferred to the community, the value of bitcoin automatically increases. YFI has become the most successful agricultural project after impersonating projects and trying to get people involved. I feel like 2017 ICOs, people participating in ICOs, and a lot of people losing money because of scam projects.
The market has new trends, but that also means they will have downsides. Fraud through agricultural projects is becoming an illness. Be careful before investing in anything.

Banks do business in the form of mobilizing capital from the people and on-lend to businesses and people. The biggest problem in the pandemic is that businesses do not have the money to repay their banks. This leads to a decrease in the liquidity of the bank. Once businesses default, they will have their assets taken away by the banks but the banks cannot immediately liquidate them. When a wave of people withdrawing money massively, banks do not have money to pay them. Historically there have been many banks that have gone bankrupt or have sold themselves to larger corporations.
To reduce the risk of bankruptcy they will have to find ways to less cash flow out of their banks.
I think if you want to be safe, you need to diversify portfolios and deposits to combat the risk of bankruptcy of banks.

Should start with bitcoin first, then learn and learn more later. If bitcoin falls 50%, then other altcoins will drop 60-70%. History has proven a lot like that, and consider investing the majority of your money in bitcoin.

It could be a bubble as there are currently too many projects that allow staking and the value of those cryptocurrencies is volatile. But we can consider staking stable coins, the risk is low, and the value of those cryptocurrencies hasn't changed much over a long period.

https://topstaking.com/staking-stablecoins-best-ways-to-earn-interest-on-stablecoins/

I don't think it's better than traditional investment because the crypto market is too small and easily manipulated. If the DEFI trend ends, what will happen, whether projects will be sold off quickly? Who will protect investors' interests when they are scammed? Nobody.
Traditional investments are slower, but they are safer because there are many types of laws binding them.
If I have a sufficient amount of money I will choose traditional investments such as real estate, trading in goods ...
Cryptocurrencies are high-risk but excellent returns. I will invest part of my fortune.

Gas costs are at a new level. I am wondering when Ethereum 2.0 will launch and will they solve the problem of high cost, slow sending speed?
There is a GAS war on decentralized trading platforms.

Currently, on the Binance platform that supports staking with many methods, you can keep tokens and coins or lock them for a while to receive rewards. Binance is preparing to launch DEFI mining at 25% interest for BNB holders and 20% for DAI holders.

Synthetic has been in the market for about 3 years and it's only recently that the project has gained attention and has seen a significant increase in value. Previously they had a bounty campaign before holding an ICO. I and the people did not realize the value of the project.
Like LEND, people have forgotten the DEFI projects and left them alone during the downturn. Currently, I think that DEFI is the trend of the market and they create value for investors. I think these are no longer FOMOs but they are worth the potential they deserve.

African nations have to be developed and they will have to choose investors for their countries smarter. In the past and present, African countries are being utilized by multinationals and other governments to utilize natural resources. Very few companies invest. African countries need food produced at home, they need to invest in education, invest in health, invest in infrastructure, and light industries.
National development is a process and they have to be economically autonomous, create an economy, not an agreement of exchange. Their values ​​come from their country.

Bitcoin is risky and volatile in the price for a week, a month, or a year, but if you look at the history of bitcoin, it is having good growth. If Bitcoin fell by around 70% in 2018 then it would have rapidly grown again in the following years. Although it is not possible to recover the original ATH level, Bitcoin will do it in the future. Bitcoin is still safer than other altcoins in the crypto market. For example, Ethereum is currently down 2/7 in value compared to ATH, EOS is currently down to 1/6 in value compared to ATH ... there are many other altcoins. If we were to invest with our free money with bitcoin, they probably wouldn't be too bad at losses. If we used leverage, we might be bankrupt now.

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I think it will take a while for crypto payments to become mainstream. Because currently paying via the forms of electronic money incurs a large transaction cost. A typical example is the ethereum network. If cryptocurrencies want to be more popular then countries must have their cryptocurrency regulations. New technology is needed to minimize the number of transaction fees per payment even if the payment is minimal. That requires a stronger, faster, free, scalable blockchain network ...

I think bitcoin is best as an asset rather than as a regular payment tool instead of cash.
Reason:
Bitcoin transactions more slowly than cash and bank cards at transaction counters. Bank staff will not wait until the first confirmation of the bitcoin network.
Paying by card will help you accumulate bonus points and can help you to refund in future transactions.
Paying through bitcoin is also risky that the bitcoin storage applications can get into trouble and you will lose your money, but for payment cards, the bank will ensure the safety of your money. Organic.
So it is best to choose cash and payment cards instead of bitcoin in everyday transactions.

Themes are great, they are carefully categorized and detailed. I will use it as a reference and come up with my portfolio, thank you very much. Hope you will regularly update more information on the topic.