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.
Predicting FinTech innovation adoption in South Africa: the case of cryptocurrency.African Journal of Economic and Management Studies, 11(1):30–50, October 2019
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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.