This report examines the factors that influence the adoption of digital finance. It focuses on attitudes, behaviors, experiences, and beliefs that shape individuals’ decisions to embrace digital financial services. The study provides insights into the key drivers and barriers to adoption in Africa. By understanding these factors, policymakers and financial service providers can develop targeted strategies to promote the uptake of digital financial services. The research highlights the importance of considering users’ perspectives and designing services that address their needs and preferences. It also emphasizes the role of trust, convenience, and awareness in driving adoption. The report offers valuable insights for advancing financial inclusion in the digital era.

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