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The report finds that while online remittance use is surging among certain African diaspora communities in the UK, 'stickiness' of cash remains high in countries with underdeveloped digital payment infrastructures, such as the DRC, Zimbabwe, and Sierra Leone. Key drivers for switching to digital include convenience, price incentives, and word-of-mouth recommendations, while barriers include complex registration processes, security concerns, and a lack of awareness. The report recommends simplifying onboarding, improving marketing through community influencers, and enhancing digital payment infrastructure in receive-countries to lower costs and meet UN Sustainable Development Goals.