Yonas Ayele

Awash vs Zemen: The Battle Between Scale and Efficiency

Ethiopia’s banks are no longer competing on size alone. The real battle is now scale vs efficiency and the numbers tell a peculiar story when Awash and Zemen are compared writes Yonas Ayele.

Beyond Charging Stations: Ethiopia’s EV Boom Holds the Seeds of a New Credit Economy

Ethiopia’s e-mobility boom is more than a clean-transport story. Every paid charge, swap, and digital trip receipt is a potential credit signal, a path to financial inclusion for thousands of riders.

Ethiopia’s Next Financial Inclusion Strategy Must Be Geo-Enabled, Data-Driven, and People-Centered

Financial access has expanded, yet usage, equity, and reliability still lag. A map-first strategy and a National Financial Data Commons may help Ethiopia deliver real financial inclusion.

How Ethiopia’s Central Bank Plans to Keep Prices in Check Without a Credit Cap

NBE is trading rigid credit limits for a market-driven system built on real, inflation-adjusted interest rates.

Rethinking Siloed Phone Loan Schemes as a Path to Financial Inclusion in Ethiopia

What does financial inclusion really mean, and how can it be achieved in a way that genuinely benefits rural communities in Ethiopia?