This report examines data from Financial Diaries studies conducted in both Kenya and South Africa in 2012 and 2013 to better understand the extent to which low-income consumers are being affected by broad trends towards the digitization of payments: through card payments in an increasingly banked population in South Africa and via mobile money in Kenya.
Zollman, J., & Cojocaru, L. (2015). Cashlite report: Are we there yet? Rethinking the evolution of electronic payments in Kenya based on evidence in the Kenyan and South African Financial Diaries. Nairobi, Kenya: FSD Kenya.