The current stage of DFS has successfully brought millions into the formal financial system, allowing unbanked and underbanked users to receive social benefits and make basic transactions with ease. However, most users stop there. Despite the availability of advanced financial services, users rarely move beyond simple send-and-receive functions, limiting their financial growth.

For many, DFS remains intimidating. Navigating complex apps and financial tools is difficult, especially for those with limited digital experience. This challenge is amplified in low-internet, low-network, or shared-device settings, where advanced DFS usage becomes even less feasible.

DFS should adapt to these realities by offering both lighter versions of its services. DFS Lite would provide essential features with simplified navigation, minimal data usage, and secure account access on shared devices. As users gain confidence or access to more resources, they can seamlessly transition to an advanced version with advanced tools. This gradual progression keeps engagement slow and steady, allowing users to move forward at their own pace without feeling overwhelmed.