A natural basis for the development of quantitative measures of financial integration is to check the validity of the law of one price. The law of one price states that assets with identical risks and returns characteristics should be priced identically regardless of where they are transacted.
Promoting digital literacy increases awareness 1/3  BIS central bankers' speeches  and trust in online financial transactions. Internet connectivity is a necessity to access digital products and services. If left unaddressed, literacy and connectivity challenges can lead to new forms of exclusion and greater digital divide.