Developing countries especially, in Africa, are becoming more and more innovative when it comes to combining finance and technology to create digital financial solutions e.g. Mobile Money (MM). MM has been around for about 15 years and was first floated in Kenya but was used mostly for peer to peer transfers. During the COVID-19 pandemic, locally owned businesses throughout Africa have taken advantage of Digital Financial Services (DFS). Health managers have wondered whether digital payments would be the most efficient way to pay health workers in Sub-Saharan Africa and what benefits it would have, as well as any risks it would portray.