In the competitive and rapidly expanding African digital financial landscape, a one-size-fits-all approach is becoming obsolete. The next wave of transformation will be driven by the intelligent use of data and Artificial Intelligence (AI)  to deliver hyper-personalized  financial experiences. Traditional credit scoring models often fail in markets with large informal economies and limited formal credit history. This is where AI and advanced analytics step in. By analyzing a

The term 'financial inclusion'  has evolved dramatically in the African context, moving from simply providing a basic savings account to offering a full spectrum of advanced financial tools designed for underserved populations. The future of digital banking is intrinsically linked to redefining and serving the continent’s vast informal economy. Digital platforms are proving uniquely capable of addressing the historical challenges of financial exclusion: lack of physical acces

Ethiopia’s demographics dictate its banking strategy: 79%  of the population lives in rural areas, yet historically, 36%  of bank branches were concentrated in Addis Ababa alone. This massive geographic imbalance means that the few branches operating in rural regions are under immense pressure. They serve catchment areas that are huge, handling volumes of customers who may have traveled hours to get there. In these high-volume rural outposts, efficiency is not a luxury—it is