Mapping the Digital Payments Consumer Landscape Across 15 African Markets

Mixed-methods phased design: quantitative CAPI/CAWI for scale and comparability, qualitative IDIs for depth, and user-led immersions as lab-in-field experiments to observe actual digital finance behaviour.

Avoiding the bias traps inherent in fintech user research, adapting instruments across 15 linguistically and culturally distinct markets, and maintaining cross-country comparability across a three-year study.

Locally meaningful and regionally comparable findings that gave stakeholders a clear basis for designing inclusive digital finance products and understanding how payment ecosystems evolve across African contexts.