Yet, even as technology grows, physical cash still plays a vital role in everyday life. Both digital and cash payments are often used side-by-side depending on convenience, cost and preference. Unlike digital transactions, where records are logged electronically, cash doesn’t leave a digital trail. While many Kenyans have mobile money accounts, not everyone has reliable access to smartphones, the internet or bank services that make digital money seamless and convenient. It continues to serve as a foundation that is familiar, flexible and trusted even in a world where digital money grows by the day.