# References

[**https://www.pwc.com/gx/en/industries/financial-services/publications/financial-services-in-2025/payments-in-2025.html**](https://www.pwc.com/gx/en/industries/financial-services/publications/financial-services-in-2025/payments-in-2025.html)<br>

[**https://www.statista.com/topics/7288/e-commerce-in-africa/**](https://www.statista.com/topics/7288/e-commerce-in-africa/)<br>

[**https://www.statista.com/statistics/1176654/internet-penetration-rate-africa-compared-to-global-average/**](https://www.statista.com/statistics/1176654/internet-penetration-rate-africa-compared-to-global-average/)

[**https://www.do4africa.org/en/cryptocurrency-adoption-in-africa/9087/**](https://www.do4africa.org/en/cryptocurrency-adoption-in-africa/9087/)

[**https://www.do4africa.org/en/digital-literacy-in-africa/8961/**](https://www.do4africa.org/en/digital-literacy-in-africa/8961/)

[**https://finance.yahoo.com/news/countries-using-cryptocurrency-most-210011742.html?guccounter=1\&guce\_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8\&guce\_referrer\_sig=AQAAAIYWwTkXglJZgPYnpjzHXx1XYGQD7tGswGHmgT\_E-1AyUNNNHiGwprov23x5S5iNM1sCbZcFVFgQxJN6W0JRVGUK3puUGQKNmaDSQK2yE5oS3noXflAiEHppmXopTP-WD4PLKmSwxrqQIxacRWbIgw9a-moPeH\_d40PTVH87Jro**<br>](https://finance.yahoo.com/news/countries-using-cryptocurrency-most-210011742.html?guccounter=1\&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8\&guce_referrer_sig=AQAAAIYWwTkXglJZgPYnpjzHXx1XYGQD7tGswGHmgT_E-1-AyUNNNHiGwprov23x5S5iNM1sCbZcFVFgQxJN6W0JRVGUK3puUGQKNmaDSQK2yE5oS3noXflAiEHppmXopTP-WD4PLKmSwxrqQIxacRWbIgw9a-moPeH_d40PTVH87Jro)