Digital Economy and Financial Inclusion in Africa

September 202589 pages3,956 downloads

Authors

Dr. Thabo Molefe, Dr. Aisha Kamara

Digital Economy and Financial Inclusion in Africa

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Abstract

Investigating the rapid growth of digital financial services across Africa, examining mobile money adoption, fintech innovation, and their impact on financial inclusion and economic participation.

Overview

This research analyzes the digital economy ecosystem in Africa, focusing on mobile money platforms, digital lending, and e-commerce growth. It evaluates regulatory frameworks and identifies opportunities for expanding digital financial services to underserved populations.

Key Findings

1
Mobile money accounts reached 950 million across Africa
2
Digital lending platforms disbursed $7.8 billion in 2025
3
E-commerce transactions grew by 52% year-over-year
4
Financial inclusion rates improved by 18 percentage points

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