One of Zola's goals from earlier this summer was to lure indie authors, much like other retailers have done, but also to help indie bookstores by replacing the Google Books program that stand - alone brick and
mortars used to benefit from.
Some communities are underserved by banks due
to the cost /
benefit of the brick &
mortar banking model and regulatory cost; some international transfers are unreliable, or can take many days, with manual processes and faxes being
used as part of the plumbing; some people may want
to accept digital money for selling digital goods; there may be
use cases where small payments, in the order of pennies, may be useful, which is currently difficult with existing fee structures with credit cards.