*Exploiting Technology during the Pandemic: Early Lessons from Sub-Saharan Africa DOI: http://dx.doi.org/10.5772/intechopen.112122*

SIM card; those who trusted mobile money agents; middle-aged males; and the employed are highly likely to adopt DFS. They found that women tended to use DFS less than men in the study and that while gaps exist, Kenya is far ahead of Uganda. The observed difference in gender inequalities in DFS is primarily underpinned by several socioeconomic factors such as limited affordability and financial literacy skills, which hamper women's digitalization [43, 44]. Low trust in mobile money agents also affected DFS in Uganda than in Kenya.

Even from the Findex 2021 report, we see an appreciable growth in registered mobile money accounts during the pandemic in Kenya (see **Figure 3**).
