title: A regulatory analysis of digital financial services and the adoptionof central bank digital currencies in Zimbabwe and South Africa
abstract: The use of digital financial services such as mobile money has created new frontiers for more people, especially the poor, to participate in the formal payment systems in Zimbabwe and South Africa. Individuals who do not have bank accounts are now able to access financial services and products using technological devices such as mobile phones. In this regard, digital financial services have broadened financial inclusion allowing the poor to participate in financial markets and other formal econo
journal: Juridical Tribune