With microloans there may be a problem. Most of the current services that offer loans in bitcoin or shitcoin require kyc and a security deposit so that no one runs away with the coins.

future

bitcoin

What Would Accelerate Bitcoin Adoption in Developing Nations?

Microloans would be great.  But given how easy it is to "take the money and run" when it comes to bitcoin, i'm not sure how easy it would be to implement.

Overall I think it just needs to be more efficient than the legacy financial system.  Allow people to do digital transactions with lower fees.  Make payment apps user friendly experiences.  Onboard many merchants and many customers so that there's a thriving ecosystem