Who's the naive prat who financed the survey? Anyone with a brain could have predicted the results.
Countries with a technical infrastructure (electricity, phones, internet) use electronic money
Those who haven't, don't.
And those with the least technology i.e. those with no mains water, no sewerage, no permanent roads, are the least likely to use electronic money. And those with the least are a bloody big proportion of the worlds population
Looking at it from another angle, the push to use electronic money, even among the worlds poor, is just another form of taxation. But a taxation from the corporate system, not a taxation of government.. It represents another step in the corporate usurpation of government