Assisted Adopters are individuals who recognise the potential benefits of Digital Financial Services (DFS) but are held back by a mix of fears, challenges, and dependencies. Their reluctance stems from a lack of confidence in their ability to use DFS, compounded by limited functional and digital literacy. Many worry that the complexity of these systems makes them prone to costly mistakes, leading them to believe that such services aren't designed with their needs in mind.

These individuals often prefer cash transactions, which offer a greater sense of control and familiarity. Concerns about overspending with digital money reinforce their reliance on cash, making them cautious about fully embracing DFS. Externally, their fears are heightened by stories of fraud and a general mistrust of the systems that support DFS, such as banking institutions and government regulations. This lack of trust further deters them from engaging with digital financial platforms.

Even when they do open DFS accounts, they struggle to use them effectively. The absence of formal or informal support alongside complex design makes it challenging for them to navigate these systems. Some may even rely on others to help manage their accounts, seeking reassurance and shared accountability in case something goes wrong.

However, despite these challenges, there remains a desire among Assisted Adopters to benefit from DFS. Some are beginning to overcome these barriers, either through the support of others or by building confidence over time. For these individuals, a strong support system can be the key to transitioning from reluctance to confident use, enabling them to harness the full potential of digital financial services.