Despite the numerous e-wallets available in Yemen, many of them offer the same traditional services without much innovation. These wallets remain unable to meet user needs in an efficient and innovative way. This reality reflects several challenges affecting user experience and preventing the desired financial inclusion.Challenges Facing E-Wallets in Yemen:1.    Difficulty in Withdrawing and Depositing Money: E-wallets in Yemen lack ease in withdrawing and depositing money. T...