It would have been nice to see the prevalence of those reasons for not downloading the app. Regardless, the article indicates that 1/3 of residents didn't have the required technology (mobile phone with internet access):
> Residents didn’t need a bank account or a credit card to make transactions, only a mobile phone with internet access, something two-thirds of residents had.
> Residents didn’t need a bank account or a credit card to make transactions, only a mobile phone with internet access, something two-thirds of residents had.