Permeable Walls Between Physical and Digital

For many unbanked and underbanked users, especially women, trust is built through tangible experiences. Passbooks, receipts, and physical cash provide a sense of security and control that digital transactions often lack. Even as DFS expands its reach, cash remains deeply embedded in daily financial habits—not just as a preference but as a necessity. Many users earn small amounts that are difficult to digitize, making cash the most practical option for their financial lives.

Despite the push toward digital, both users and agents continue to rely on physical elements within DFS, often in unofficial ways. From keeping handwritten records to using printouts as proof of transactions, people create their own hybrid solutions to bridge the gap. The effort, time, and cost of digitizing small earnings often outweigh the perceived benefits of DFS, leading many to stick with cash.

Digital solutions alone aren’t sufficient—they need hybrid solutions that seamlessly blend physical and digital experiences. Instead of forcing a full transition to digital, services should support tangible touchpoints that reinforce trust. The transition between physical and digital interactions must be effortless—not only supporting tangible touchpoints but also introduce tools and features that mirror the familiarity of physical interactions.

Digital Imitates Physical

Certain actions feel more secure and discreet in the physical world, especially for women setting aside small savings from their allowance. Replicating familiar physical behaviors in digital spaces can increase adoption and make digital solutions more relevant.

Physical in Digital Processes

Incorporating physical elements like receipts, tokens or other collaterals make transactions feel more secure and familiar. This helps users, especially first-timers, increasing confidence and adoption in environments with low digital trust.

Smart Objects

Smart objects blend digital and physical finance into a seamless experience. These tools help users engage with digital finance in familiar, tangible ways, making both digital and physical feel like part of the same financial journey.