Qualitative interviews reveal that users in three African countries maintain multiple digital payment accounts and select platforms based on tradeoffs among utility, privacy, security, and institutional trust.
Exploring factors affecting central bank digital currency adoption: A perspective from Generation Z.Metamorphosis: A Journal of Management Research, 23(2):126–141, December 2024
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A Cross-Country Evaluation of Sentiment Toward Digital Payment Systems in Africa
Qualitative interviews reveal that users in three African countries maintain multiple digital payment accounts and select platforms based on tradeoffs among utility, privacy, security, and institutional trust.