By next year, it is expected that 80 percent of banks will have started initiatives on both public and private DTL. However, there are still many obstacles to overcome because formal legal frameworks do not yet exist, which can be a stumbling block in large-scale adoption. Furthermore, updating the entire financial infrastructure via DLT takes a significant amount of time. Finally, the top DTL resources are unavailable on the market and difficult to obtain.

The question here is whether the investment in DLT is worth all of the hardship.