This report covers findings from Stage 3 of a co-funded Swinburne University/460degrees research project into the social and psychological enablers and barriers to digital wallet usage which ran from August 2019 to April 2020. Findings suggest a tension between convenience and concern that affects perceptions of trust in the digital technologies.

This report argues that shaping the transition to an increasingly digital economy to deliver economic justice will require continued access to cash, alongside improved access to digital financial services that work for everyone.

Financial technology, or FinTech, is transforming our financial system and potentially our entire economy and it’s not just about digitising transactions. Just as the internet has empowered people around the globe through access to information, financial technology is reducing information asymmetry in the marketplace and thereby helping to mitigate risk and promote the efficient allocation...

At the request of the Alliance for Financial Inclusion’s Pacific Islands Working Group (PIWG), the Pacific Financial Inclusion Programme (PFIP)3 contracted Jonathan Greenacre, a consultant, to analyse the trust arrangements used by e-money issuers in the following Pacific countries: Fiji, Papua New Guinea, Samoa, Tonga, and Vanuatu (collectively termed ‘Pacific focus countries’ in this document)...