{"id":3355,"date":"2020-05-12T12:46:00","date_gmt":"2020-05-12T12:46:00","guid":{"rendered":"https:\/\/borderlessaccess.com\/blog\/?p=3355"},"modified":"2025-06-16T10:45:49","modified_gmt":"2025-06-16T10:45:49","slug":"consumer-perceptions-of-digital-payment-methods-south-africa","status":"publish","type":"post","link":"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/","title":{"rendered":"Consumer Perceptions Of Digital Payment Methods: South Africa"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>\n<p style=\"font-size:18px\">As digitization makes its way into Africa across sectors and industries, digital payment methods are being offered as safe and convenient alternatives to traditional options.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Borderless Access\u00a0conducted a study across South Africa,\u00a0Ghana, Kenya, and Nigeria to explore the uptake of digital payment methods, including e-wallets, money payment apps, and mobile money transfer.<br><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">It is important to note that this study was conducted just before the lockdown was implemented in any of these countries, the results indicate a long term trend, rather than being skewed by the unusual spending behaviour of the past few weeks.<\/p><br><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_72 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#Non-bank_digital_methods_are_still_under-utilised_in_South_Africa\" title=\"Non-bank digital methods are still under-utilised in South Africa\">Non-bank digital methods are still under-utilised in South Africa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#Banks_in_South_Africa_hold_high_levels_of_trust_through_heritage\" title=\"Banks in South Africa hold high levels of trust through heritage\">Banks in South Africa hold high levels of trust through heritage<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#Mobile_apps_are_perceived_to_be_safe_IF_links_to_banks_are_trustworthy\" title=\"Mobile apps are perceived to be safe IF links to banks are trustworthy\">Mobile apps are perceived to be safe IF links to banks are trustworthy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-non-bank-digital-methods-are-still-under-utilised-in-south-africa\" style=\"font-size:26px\"><span class=\"ez-toc-section\" id=\"Non-bank_digital_methods_are_still_under-utilised_in_South_Africa\"><\/span><strong>Non-bank digital methods are still under-utilised in South Africa<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">Not surprisingly, the most common forms of payment amongst LSM 4-10 South Africans are credit\/ debit cards and cash, with three-quarters of people also using online banking and banking apps. Other (non-bank) apps and mobile money are only used by 19% of the population, and 29% claim to use other forms of e-wallet.<\/p><br><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"690\" height=\"471\" data-id=\"3357\" src=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-charts.webp\" alt=\"South-Africa-Digital-payments-charts\" class=\"wp-image-3357\" srcset=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-charts.webp 690w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-charts-300x205.webp 300w\" sizes=\"auto, (max-width: 690px) 100vw, 690px\" \/><\/figure>\n<\/figure>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">South Africans use banking apps mainly to transfer money within the country and to pay utilities or bills. Non-banking apps are used much less, and predominantly for shopping online. Likewise, mobile money is used by a very small percent of the population, and mostly for in-store purchases or international money transfers.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">The only non-bank digital option where South Africans show a higher incidence than other countries is e-wallet usage. This method is used for transferring money (both locally and across borders) as well as for online purchases.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">The only mobile method to see an increase in South Africa in the past year is mobile bank apps, with 53% more people using these than before. Non-bank digital options, which were already not high, have declined in the past year.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">Online banking has seen an increase in local usage, while the use of cash has decreased. This trend is driven primarily by convenience, followed by safety concerns over carrying cash.<\/p><br><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"685\" height=\"530\" data-id=\"3359\" src=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-chart.webp\" alt=\"South-Africa-Digital-payments-chart\" class=\"wp-image-3359\" srcset=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-chart.webp 685w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-chart-300x232.webp 300w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payments-chart-60x46.webp 60w\" sizes=\"auto, (max-width: 685px) 100vw, 685px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-banks-in-south-africa-hold-high-levels-of-trust-through-heritage\" style=\"font-size:26px\"><span class=\"ez-toc-section\" id=\"Banks_in_South_Africa_hold_high_levels_of_trust_through_heritage\"><\/span><strong>Banks in South Africa hold high levels of trust through heritage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">South African consumers have a high level of trust in their banks\u2026 they perceive them as safe and secure, much more than they do the various mobile money providers. In fact the only three payment app services that South Africans claim to use at all are Flutterwave, Virgin Money Spot and the Karri\/ Fundi apps for school payments.<\/p><br><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-3 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"803\" height=\"426\" data-id=\"3360\" src=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment-Method-charts.webp\" alt=\"South-Africa-Digital-payments-charts-3\" class=\"wp-image-3360\" srcset=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment-Method-charts.webp 803w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment-Method-charts-300x159.webp 300w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment-Method-charts-768x407.webp 768w\" sizes=\"auto, (max-width: 803px) 100vw, 803px\" \/><\/figure>\n<\/figure>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">The main reason people for not using payment apps is that they are concerned about security in integrating these apps with their bank accounts. This poses an evident incongruity: People have high levels of trust in their banks but low levels of trust in how mobile money apps link to them. Local banks have gained trust through heritage and reputation, and South Africans want to see more assurance from other digital options that they can provide the same.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">This is vastly different in the other African countries surveyed, where consumers were introduced to mobile money apps and digital banking at similar times, thereby gaining similar levels of trust in them.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">Another reason why South Africans choose not to use non-bank digital options is that they are perceived as not being widely accepted, which naturally lowers their appeal.<\/p><br><\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-4 is-layout-flex wp-block-gallery-is-layout-flex\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"436\" data-id=\"3362\" src=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment.methods.webp\" alt=\"South-Africa-Digital-payment-Method-charts\" class=\"wp-image-3362\" srcset=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment.methods.webp 770w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment.methods-300x170.webp 300w, https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2024\/02\/South-Africa-Digital-payment.methods-768x435.webp 768w\" sizes=\"auto, (max-width: 770px) 100vw, 770px\" \/><\/figure><\/div><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-mobile-apps-are-perceived-to-be-safe-if-links-to-banks-are-trustworthy\" style=\"font-size:26px\"><span class=\"ez-toc-section\" id=\"Mobile_apps_are_perceived_to_be_safe_IF_links_to_banks_are_trustworthy\"><\/span><strong>Mobile apps are perceived to be safe IF links to banks are trustworthy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">Unpacking the security issue further, we see that South Africans feel safe with their banks and banking apps, but not with the process of linking mobile apps to their bank accounts. However, they perceive mobile apps to offer a high level of security if assured that bank accounts can be securely linked.<\/p><br><\/p>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">This indicates an opportunity for all non-bank digital options to instil a sense of security in consumers about the process of linking to their bank accounts, possibly partnering with banks or leveraging off the inherent trust in them.<\/p><br><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p style=\"font-size:18px\"><p style=\"font-size:18px\">At this stage there is still a very low claimed likelihood of adoption of digital payment methods in the next year. One way in which this may change is with the increased focus of targeting South Africa\u2019s unbanked population, who have a higher propensity towards adoption. Another is of course due to new consumer behaviour patterns post-lockdown, as we see the country leapfrogging to embrace digital alternatives across sectors.<\/p><br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/www.borderlessaccess.com\/contact-us\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a>\u00a0if you would like to know more about consumers&#8217; spending habits in South Africa and other African nations or gain other niche insights.<br><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p id=\"hubspot-topic_data\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minutes<\/span><\/span>As digitization makes its way into Africa across sectors and industries, digital payment methods are being offered as safe and convenient alternatives to traditional options. Borderless Access\u00a0conducted a study across South Africa,\u00a0Ghana, Kenya, and Nigeria to explore the uptake of digital payment methods, including e-wallets, money payment apps, and mobile money transfer. It is important to note that this study was conducted just before the lockdown was implemented in any of these countries, the results indicate a long term trend, rather than being skewed by the unusual spending behaviour of the past few weeks. Non-bank digital methods are still under-utilised&#8230;<\/p>\n","protected":false},"author":21,"featured_media":3372,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[279,230,310,256,343,342,313,311,292,312],"class_list":["post-3355","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-behavior","tag-digital-market-research","tag-digital-online-research","tag-digital-payments-survey","tag-digital-research","tag-south-africa-digital-payments-research","tag-south-africa-digital-payments-survey","tag-south-africa-economic-survey","tag-south-africa-economy","tag-south-africa-market-research","tag-south-africa-spending-habits"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.1 (Yoast SEO v22.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Consumer Perceptions Of Digital Payment Methods: South Africa |BA Blog<\/title>\n<meta name=\"description\" content=\"Understanding changes in consumer preference for digital payment modes in South Africa over the last few years.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumer Perceptions Of Digital Payment Methods: South Africa\" \/>\n<meta property=\"og:description\" content=\"Understanding changes in consumer preference for digital payment modes in South Africa over the last few years.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Research Insights -Borderless Access Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-12T12:46:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-16T10:45:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/borderlessaccess.com\/blog\/wp-content\/uploads\/2020\/05\/Digital-payments-methods-south-africa.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"955\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Cindy Bowdan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cindy Bowdan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/\",\"url\":\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/\",\"name\":\"Consumer Perceptions Of Digital Payment Methods: South Africa |BA Blog\",\"isPartOf\":{\"@id\":\"https:\/\/borderlessaccess.com\/blog\/#website\"},\"datePublished\":\"2020-05-12T12:46:00+00:00\",\"dateModified\":\"2025-06-16T10:45:49+00:00\",\"author\":{\"@id\":\"https:\/\/borderlessaccess.com\/blog\/#\/schema\/person\/7cef99a161a6dc7f1d93f063980cd0fd\"},\"description\":\"Understanding changes in consumer preference for digital payment modes in South Africa over the last few years.\",\"breadcrumb\":{\"@id\":\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/borderlessaccess.com\/blog\/consumer-perceptions-of-digital-payment-methods-south-africa\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/borderlessaccess.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Consumer Perceptions Of Digital Payment Methods: South Africa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/borderlessaccess.com\/blog\/#website\",\"url\":\"https:\/\/borderlessaccess.com\/blog\/\",\"name\":\"Market Research Insights - Borderless Access Blog\",\"description\":\"Gain fresh perspectives and insights on global trends for your business growth. 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