After Access 2022–2023: A Comparative Report on Financial Inclusion in Africa, draws on the nationally representative After Access survey data from Ethiopia, Ghana, Kenya, Nigeria, South Africa, Tanzania and Uganda, to analyse how digital access and mobile money are transforming financial inclusion across the continent.
The findings show clear progress: mobile money is helping to close gender, geographic and generational gaps in financial access—especially in countries with supportive regulatory environments and widespread agent networks. But barriers remain. Digital and financial literacy gaps, unequal access to internet and smartphones, and underdeveloped digital ID systems still prevent large segments of the population from accessing or fully benefiting from digital financial services.
The report highlights the importance of enabling regulatory frameworks, interoperable payment systems, and targeted policy interventions to ensure inclusive and equitable financial access for all. It concludes with policy recommendations for strengthening digital infrastructure, closing gender and rural access gaps, and enhancing trust in mobile financial services.
