Analysis

Ethiopia’s Online Boom Meets a Cybercrime Wave

As millions of Ethiopians come online, scammers are finding new victims. Experts warn that Ethiopia’s rapid digital growth has far outpaced public awareness and cybersecurity readiness.

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.

Digital Ethiopia 2025: Progress, Challenges, and the Road Ahead

Ethiopia bet big on a digital future. Five years later, Digital Ethiopia 2025 brought fintech booms, e-services & millions online but the digital divide endures.

How Ethiopia Can Weaponize AI Against Financial Exclusion

Ethiopia does not necessarily have an insurmountable shortage in data sets, but rather faces challenges around data quality. AI can be a game changer in Ethiopia's DFS story.

Can Foreign Banks Raise the Bar in Ethiopia's Digital Finance?

Foreign banks entering Ethiopia have the opportunity to leapfrog outdated metrics like branch counts or ATM networks and instead compete through superior digital financial services.

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.

A Halal Path to Ethiopia's Financial Inclusion

Sharia-compliant digital financial services in Ethiopia are at a crossroads: growing demand, limited offerings. Devoid of regulatory support and innovation DFS inclusion for millions remains at risk.

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.