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.
EIB finance in Africa 2024: Fintech transforms African financial services, but high funding costs hinder climate and digital transitions
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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.