02075nas a2200253   4500008004100000022001400041245007700055210006900132260004200201300001000243490000600253520135000259653001301609653001501622653001201637653001701649653002001666653001301686653002301699100001901722700002101741700002101762856003801783       2019                        eng d  a1927-032100aDigital Payments: Impact Factors and Mass Adoption in Sub-Saharan Africa0 aDigital Payments Impact Factors and Mass Adoption in SubSaharan   aOttawabTalent First Networkc07/2019  a41-550 v93 aThis study explores impact factors that affect the adoption of digital payment systems in sub-Saharan Africa. In this article, we investigate the impact factors that subject-matter experts consider most important to the success of FinTech payment models. The data and their responses are evaluated through the lens of Christensen’s market-creation theory, which contends that the adoption of market-creating innovations by a mass swathe of heretofore non-consumers “pulls” framework conditions into place, including missing infrastructure and enabling regulation. Then, we compare the findings with the literature and three case studies of mobile money adoption in Kenya, South Africa, and Nigeria. This study addresses a gap in the literature regarding the payment and money transfer segment of FinTech innovations in Africa using a multiple case study methodology. We drew together information from multiple sources, including semi-structured interviews, archival data in the form of industry and regulatory reports, and observational field notes. Our findings suggest that enabling environments (Kenya) do jumpstart adoption and difficult frameworks (Nigeria) do evolve. This study will help FinTech innovators, academics, and policymakers to understand how technology and framework conditions impact payment business models in Africa. 10aadoption10ablockchain10aFinTech10amobile money10anon-consumption10apayments10asub-Saharan Africa1 aSoutter, Leigh1 aFerguson, Kenzie1 aNeubert, Michael  uhttps://timreview.ca/article/1254