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Archetypes

Archetypes

These personal narratives reveal the human side of financial inclusion, highlighting the needs, aspirations, and struggles of individuals. They provide a deeper understanding of how digital finance intersects with real lives, uncovering gaps, barriers, and opportunities for meaningful change. We hope these stories inspire more relevant, practical, and empathetic approaches to designing for financial inclusion that are grounded in lived experiences.

People Archetypes Database

Cash-only Traditionalist Cash-only Traditionalist
Cash-only Traditionalist

People who see no value in DFS and transact mainly in cash

DFS Dreamers DFS Dreamers
DFS Dreamers

People who want DFS but get stuck on the way

Lost Ties Lost Ties
Lost Ties

People who used DFS but stopped

Resilient NavigatorsResilient Navigators
Resilient Navigators

People who power through DFS despite a variety of hurdles thrown their way

Assisted Adopters Assisted Adopters
Assisted Adopters

People who get and use DFS but only with support

Bare-Bone Users Bare-Bone Users
Bare-Bone Users

People who only use DFS to receive money and transact in cash post this

Savvy Adopters Savvy Adopters
Savvy Adopters

People who manage to use DFS well as they have the skill set required

Proxy Users Proxy Users
Proxy Users

People who use DFS through other people’s accounts.

Fintech Champions Fintech Champions
Fintech Champions

People who are not just savvy adopters of DFS but also advocates of DFS

AgentsAgents
Agents

People who formally facilitate onboarding and use of DFS in the community

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