Though the
authors ultimately believe Europe needs more migration, they feel that current constraints will make that difficult;
for example, immigrants with inadequate language skills face
enormous challenges in securing apprenticeships, and as a result, integrate too often into welfare, with limited incentives
for returning and taking low paying jobs.
Still, the
authors were, on the whole, optimistic about the idea of distributed ledgers, concluding that the technology presents an «
enormous opportunity»
for the world's banks and financial institutions should it overcome these
challenges.