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.
Mobile Money and Economic Activity: Evidence from Kenya.The World Bank economic review, 36(3):734–756, Au- gust 2022
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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.