Financial Inclusion and Consumer Behavior

This theme captures the essential role of literacy and stakeholder campaigns. The inclusion of $2023$ mobile money subscriber growth offers a timely statistic.

However, the linkage between consumer behavior theories and observed DFS uptake remains tenuous. The text mentions a partnership campaign but doesn$$t analyze its effectiveness or methodology. Financial literacy is cited as crucial yet lacks evidence on impact.

Recommendations

Present survey or cohort$-$study data showing how literacy correlates with DFS usage.

Critique the $$Go Cashless$$ campaign$$s evaluation: what metrics were used?

Clarify how consumer behavior models $($e$.$g$.,$ behavioural economics frameworks$)$ inform the analysis.