Cash-only Traditionalist 
Cash-only Traditionalist
People who see no value in DFS and transact mainly in cash
DFS Dreamers 
DFS Dreamers
People who want DFS but get stuck on the way
Resilient Navigators
Resilient Navigators
People who power through DFS despite a variety of hurdles thrown their way
Assisted Adopters 
Assisted Adopters
People who get and use DFS but only with support
Bare-Bone Users 
Bare-Bone Users
People who only use DFS to receive money and transact in cash post this
Fintech Champions 
Fintech Champions
People who are not just savvy adopters of DFS but also advocates of DFS
Savvy Adopters 
Savvy Adopters
People who manage to use DFS well as they have the skill set required
Proxy Users 
Proxy Users
People who use DFS through other people’s accounts.
Lost Ties 
Lost Ties
People who used DFS but stopped
Agents
Agents
People who formally facilitate onboarding and use of DFS in the community