This is great and I'm not the best at listening to Podcast type content, but your to-the-point answers to all these questions kept me 'on'!

Love the 'leap frog' term, it makes a lot of sense, but sometimes you need to hear it to make it 'click' in your brain. When I worked in e-mental health (developing apps/content for health institutions) I learned how people in some African countries skipped 'desktop' alltogether and immediately went on mobile/apps... In many ways advancing more quickly than many other countries by skipping the 'desktop' step that had to be 'translated' to mobile. (The 'mobile first' thinking had to be introduced in many companies at the time I worked there, but 'over there' there was never anything else than 'mobile first' :D)

The same might happen with banks, digital payment systems - so many people are not ever going to be able to travel to a city to go to a bank to open an account, but a huge portion of those people do own a mobile phone, making it easy for them to transact digitally regardless.

Anyway, the one thing that stood out for me, good job and thanks for sharing your insights!