1. Adoption Resistance

Challenge: Some communities may hesitate to adopt digital financial services due to a lack of trust or familiarity.
Mitigation: We will conduct targeted financial literacy programs and collaborate with trusted local retailers to build confidence.

2. Competition from Established Platforms

Challenge: Larger players with greater resources may pose a challenge.
Mitigation: We will focus on our unique value proposition—low-cost, transparent services, and strong grassroots support—to differentiate ourselves.

3. Cybersecurity Threats

Challenge: The risk of cyber fraud and data breaches could impact user trust.
Mitigation: We will invest in robust security measures, conduct regular audits, and ensure continuous monitoring to enhance data protection.

4. Operational Scalability

Challenge: Rapid expansion might strain resources and infrastructure.
Mitigation: We will scale gradually, leveraging DIV funding to strengthen our systems and ensure operational readiness.

5. Regulatory Changes

Challenge: Changes in financial regulations could affect our operations.
Mitigation: We will stay informed of policy changes and adapt our offerings to remain compliant.