The research project is a comparative ethnographic study into the usage, perceptions and attitudes towards digital financial services (DFS) in four selected countries: Cameroon, Democratic Republic of Congo (DRC), Senegal and Zambia. The results presented give a voice to users of DFS, giving insight into why people are motivated to use DFS and why they might not be using specific mobile phone-related monetary transfer systems. They also contextualize these motivations through a cultural understanding and reveal that the specific socio-economic and political contexts in which monetary transfer systems function play an important role in the decisions consumers make.ASC – Publicaties niet-programma gebondenAfrica's global connection