There is, however, concern that the benefits of technology may not be available to all. However, innovation is not limited to new breakthroughs: most innovation involves incremental improvements and adaptations of existing technologies, processes and organizational structures. China and India, in particular, have become global leaders in some sustainable technologies, such as solar and wind technology, and electric and hybrid-electric vehicles, in part because they were able to improve existing technologies and production processes. Some LDCs have also begun to develop domestic technological capacities and successfully build new industries, such as the solar photovoltaic industry in Bangladesh. This technology makes transactions possible without an intermediary and thus has the potential to reduce service costs and increase financial inclusion. However, it is important to note that blockchain services are still in early stages and a number of issues, including data and privacy protection, regulatory oversight, and the overall contribution to sustainable development need further discussion, especially at the international level due to their cross-border nature.