Digital transactions, once a concept of science fiction, have today become an integral part of our daily lives. Their origins can be traced back to the early days of electronic funds transfers in the 1960s and 1970s. With the advent of the internet in the 1990s, online banking and e-commerce...

Kleptocracy is a form of government which is characterized by the systematic and institutionalized theft of public funds and goods by its elites. In a kleptocracy government, rulers and like-minded elites engage in robbery in a normalized way. To such an extent that there is an institutionalization of corruption. In democracies, theoretically, the income and money obtained after government tax collection is reinvested in the form of public services.