Author

Nia Chirwa

Cash access and informal markets writer

Nia writes about cash shortages, informal trade, and the stubborn persistence of notes and coins alongside digital wallets. She draws on public reporting and field-facing payment patterns rather than invented case studies.

Articles by Nia Chirwa

Open-air market stall with stacked produce and a small cash tin beside a phone showing a mobile-money balance, illustrating everyday conversion between notes and digital value

Cash and digital money 2026-07-08 3 min read

Why Cash Still Matters When Most Wallets Are Digital

Coverage maps celebrate digital payments, yet people still need notes for change, school fees, and trades where the other party cannot receive a transfer. The real problem is conversion—and who helps when it stalls.

By Nia Chirwa