Question 18 Which country is the leading the way in FinTech investments? Indonesia France China US Question 19 What is the difference between a centralized and decentralized ledger? A decentralized ledger means one single player has its own, write, read, and audit privileges. A centralized ledger means many one bank controls all the money. A decentralized ledger is where the governance of the ledger is not in the hands of only a single central player A decentralized ledger means there are many banks with different ledgers controlling their own ledger.