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[79.135.106.99]) by mx.google.com with ESMTPS id 2adb3069b0e04-5b8c7973a93si1588103e87.198.2026.09.19.04.24.43 for (version=TLS1_3 cipher=TLS_AES_256_GCM_SHA384 bits=256/256); Sat, 19 Sep 2026 04:24:43 -0700 (PDT) Received-SPF: pass (google.com: domain of welagedara@proton.me designates 79.135.106.99 as permitted sender) client-ip=79.135.106.99; Authentication-Results: mx.google.com; dkim=pass header.i=@proton.me header.s=protonmail header.b=J6+PdwR0; spf=pass (google.com: domain of welagedara@proton.me designates 79.135.106.99 as permitted sender) smtp.mailfrom=welagedara@proton.me; dmarc=pass (p=QUARANTINE sp=QUARANTINE dis=NONE) header.from=proton.me DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=proton.me; s=protonmail; t=1789817083; x=1790076283; bh=I+KM7XNQJgACZSNqOKUc4Vz/3+cnikTQqTZaJdCUns0=; h=Date:To:From:Subject:Message-ID:Feedback-ID:From:To:Cc:Date: Subject:Reply-To:Feedback-ID:Message-ID:BIMI-Selector; b=J6+PdwR0DjJv/0Zo7NaM3s0X4/iD4IrVlmYdGA9rurbLwtYyUNYHaGohErEKvoqU1 olloZl+FmF5AdK2UkQTWUeeKJ5zmm4TcBp7j+wZfwiLO3BxGaRrMXTUowZjkf96wXh uhKMZ6igKwF3VEhbdLiduAk4gvqxdErndoPZ5sCqGySZQqRgizN2Z4qSRjwQbnYLU8 2kuSUjHQNDH8d4Wo5+v2XW1jun1lvhATM87/rBH1nre0icGk5zbuPa4u0bIBg93CmM VHrRFAZKUcYxDLIoymQxa78s0NUzXJ1OEqwv1Q+jr49PhVWzal1FKAsDZWqMZxwWP+ ZwLGeMLDPU/Vw== Date: Sat, 19 Sep 2026 11:24:37 +0000 To: "cashlessconsumerin@gmail.com" From: Kavinda Welagedara Subject: The micro-credit epidemic Message-ID: Feedback-ID: 190350791:user:proton X-Pm-Message-ID: 1c7bf42f2494858ae59398c483a999af37eb30ae MIME-Version: 1.0 Content-Type: multipart/alternative; boundary="b1=_ypa6GlxkqdXAZl699xmJY5TcULi3LgXQwAYLD5kKd0" --b1=_ypa6GlxkqdXAZl699xmJY5TcULi3LgXQwAYLD5kKd0 Content-Type: text/plain; charset=utf-8 Content-Transfer-Encoding: base64 SGV5IFNyaWthbnRoIGFuZCB0ZWFtLAoKSSBmb3VuZCB5b3Ugd2hpbGUgcmVzZWFyY2hpbmcgYXV0 aG9yaXRpZXMgYWdhaW5zdCBtaWNyby1sZW5kaW5nIGZyYXVkLiBJJ20gd29ya2luZyBvbiBzb21l dGhpbmcgcmU6IFNyaSBMYW5rYSBhbmQgaXQncyBtaWNyby1jcmVkaXQgZXBpZGVtaWMuIFdJUDog aHR0cHM6Ly9jbGF1ZGUuYWkvYXJ0aWZhY3QvMjdMc2JmN1dpWEdpR05xRVJYZDdnOAoKSSB3b3Vs ZCBsb3ZlIHlvdXIgaW5wdXQgYW5kIGFkdmljZSBvbiBob3cgdG8gdGFrZSB0aGVzZSBtYWxpY2lv dXMgYWN0b3JzIG9uLiBJJ2QgcHJlZmVyIG5vdCB0byBoYXJtIG15c2VsZiBpbiB0aGUgcHJvY2Vz cyBidXQgd291bGRuJ3QgbWluZCBwdXR0aW5nIG15c2VsZiBpbiBoYXJtJ3Mgd2F5IHRvIGdldCB3 aGF0IEkgd2FudC4KCkhvcGluZyB0byBoZWFyIGJhY2sKCkthdmluZGEu --b1=_ypa6GlxkqdXAZl699xmJY5TcULi3LgXQwAYLD5kKd0 Content-Type: text/html; charset=utf-8 Content-Transfer-Encoding: base64 PGRpdiBzdHlsZT0iZm9udC1mYW1pbHk6IEFyaWFsLCBzYW5zLXNlcmlmOyBmb250LXNpemU6IDE0 cHg7Ij48YnI+PC9kaXY+PGRpdiBzdHlsZT0iZm9udC1mYW1pbHk6IEFyaWFsLCBzYW5zLXNlcmlm OyBmb250LXNpemU6IDE0cHg7Ij5IZXkgU3Jpa2FudGggYW5kIHRlYW0sJm5ic3A7PC9kaXY+PGRp diBzdHlsZT0iZm9udC1mYW1pbHk6IEFyaWFsLCBzYW5zLXNlcmlmOyBmb250LXNpemU6IDE0cHg7 Ij48YnI+PC9kaXY+PGRpdiBzdHlsZT0iZm9udC1mYW1pbHk6IEFyaWFsLCBzYW5zLXNlcmlmOyBm b250LXNpemU6IDE0cHg7Ij5JIGZvdW5kIHlvdSB3aGlsZSByZXNlYXJjaGluZyBhdXRob3JpdGll cyBhZ2FpbnN0IG1pY3JvLWxlbmRpbmcgZnJhdWQuIEknbSB3b3JraW5nIG9uIHNvbWV0aGluZyBy ZTogU3JpIExhbmthIGFuZCBpdCdzIG1pY3JvLWNyZWRpdCBlcGlkZW1pYy4gV0lQOiZuYnNwOzxz cGFuPjxhIHRhcmdldD0iX2JsYW5rIiByZWw9Im5vcmVmZXJyZXIgbm9mb2xsb3cgbm9vcGVuZXIi IGhyZWY9Imh0dHBzOi8vY2xhdWRlLmFpL2FydGlmYWN0LzI3THNiZjdXaVhHaUdOcUVSWGQ3Zzgi Pmh0dHBzOi8vY2xhdWRlLmFpL2FydGlmYWN0LzI3THNiZjdXaVhHaUdOcUVSWGQ3Zzg8L2E+PC9z cGFuPjwvZGl2PjxkaXYgc3R5bGU9ImZvbnQtZmFtaWx5OiBBcmlhbCwgc2Fucy1zZXJpZjsgZm9u dC1zaXplOiAxNHB4OyI+PGJyPjwvZGl2PjxkaXYgc3R5bGU9ImZvbnQtZmFtaWx5OiBBcmlhbCwg c2Fucy1zZXJpZjsgZm9udC1zaXplOiAxNHB4OyI+SSB3b3VsZCBsb3ZlIHlvdXIgaW5wdXQgYW5k IGFkdmljZSBvbiBob3cgdG8gdGFrZSB0aGVzZSBtYWxpY2lvdXMgYWN0b3JzIG9uLiBJJ2QgcHJl ZmVyIG5vdCB0byBoYXJtIG15c2VsZiBpbiB0aGUgcHJvY2VzcyBidXQgd291bGRuJ3QgbWluZCBw dXR0aW5nIG15c2VsZiBpbiBoYXJtJ3Mgd2F5IHRvIGdldCB3aGF0IEkgd2FudC4mbmJzcDs8L2Rp dj48ZGl2IHN0eWxlPSJmb250LWZhbWlseTogQXJpYWwsIHNhbnMtc2VyaWY7IGZvbnQtc2l6ZTog MTRweDsiPjxicj48L2Rpdj48ZGl2IHN0eWxlPSJmb250LWZhbWlseTogQXJpYWwsIHNhbnMtc2Vy aWY7IGZvbnQtc2l6ZTogMTRweDsiPkhvcGluZyB0byBoZWFyIGJhY2s8L2Rpdj48ZGl2IHN0eWxl PSJmb250LWZhbWlseTogQXJpYWwsIHNhbnMtc2VyaWY7IGZvbnQtc2l6ZTogMTRweDsiPjxicj48 L2Rpdj48ZGl2IHN0eWxlPSJmb250LWZhbWlseTogQXJpYWwsIHNhbnMtc2VyaWY7IGZvbnQtc2l6 ZTogMTRweDsiPkthdmluZGEuJm5ic3A7PC9kaXY+DQo8ZGl2IHN0eWxlPSJmb250LWZhbWlseTog QXJpYWwsIHNhbnMtc2VyaWY7IGZvbnQtc2l6ZTogMTRweDsiIGNsYXNzPSJwcm90b25tYWlsX3Np Z25hdHVyZV9ibG9jayI+DQogICAgPGRpdiBjbGFzcz0icHJvdG9ubWFpbF9zaWduYXR1cmVfYmxv Y2stdXNlciBwcm90b25tYWlsX3NpZ25hdHVyZV9ibG9jay1lbXB0eSI+DQogICAgICAgIA0KICAg ICAgICAgICAgPC9kaXY+DQogICAgDQogICAgICAgICAgICA8ZGl2IGNsYXNzPSJwcm90b25tYWls X3NpZ25hdHVyZV9ibG9jay1wcm90b24iPjxicj48L2Rpdj4NCjwvZGl2Pg0K --b1=_ypa6GlxkqdXAZl699xmJY5TcULi3LgXQwAYLD5kKd0--