What are the roles of intermediated and shared use?

Not everyone uses digital finance as it was originally intended; digital financial services (DFS) have been repurposed to fit individuals’ specific needs. Individuals also access digital finance platforms in so-called “non-conventional” ways. By “non-conventional” we mean that an individual shares either a mobile phone and/or digital finance account to access DFS or use an intermediary who conducts transactions on their behalf (such as over-the-counter transactions). Shared and intermediated use of technology are common in less developed economies. This snapshot takes a deeper look into shared and intermediated use of digital financial services to better understand the role they play within the digital ecosystem.