The Institute of Statistical, Social and Economic Research (ISSER), in collaboration with the ReFinD Research Initiative (ReFinD) and the Ghana Sta
Markets for digital financial services (DFS), particularly mobile money and agent banking, are expanding rapidly across low- and middle-income countries (LMICs). This growth is driven by digitization initiatives that are reshaping financial ecosystems. At the core of these ecosystems are retail distribution and vendor networks, which play a crucial role in facilitating the conversion of money between physical cash and digital currency.
