Kaleab Girma

The Rise of Mobile Money in Ethiopia, Without the Agents

In 2024, the average number of transactions a mobile money agent made in the year was just 314, which equates to fewer than one transaction per day. Mobile money appears to have outpaced agent growth.

Ethiopia Mandates Government Offices to Accept Digital Payments from All Service Providers

Despite reforms allowing fintechs and non-bank entities to enter the market, unfair trade practices and government favoritism have been prevalent in Ethiopia’s digital financial services sector.

The Dangers of Ethiopia’s P2P-Driven Digital Economy

Until business payments emerge from peer-to-peer obscurity, Ethiopia’s digital economy will continue to grow, albeit in the dark.

On Duty During the Festivities: The Holiday Grind of Addis Ababa's Ride-Hailing Drivers

Holidays are when most people spend restful days celebrating with family and friends. However, for some ride hailing drivers in Addis Ababa the festivities are the busiest of workdays.

Regulation on Digital Lending Long overdue in Ethiopia

Educating the public about digital lending procedures and safe borrowing should not be the responsibility of loan defaulters.

The Promise, Peril of Equb in Ethiopia’s Financial Ecosystem

Viewing Equb through a different lens could transform the traditional practice into an alternative to conventional lending, merging tradition with innovation to empower financial inclusion.