{
  "slug": "africa-fintech",
  "name": "Africa Fintech (NG/KE/EG)",
  "updated": "2026-09-22",
  "page": "https://godofstartups.com/atlas/markets/africa-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Registered mobile money accounts, Kenya",
      "value": "94.35",
      "unit": "million accounts",
      "geo": "KE",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.centralbank.go.ke/national-payments-system/mobile-payments/"
    },
    {
      "metric": "Mobile money agent cash-in/cash-out transactions per month, Kenya",
      "value": "221.07",
      "unit": "million transactions",
      "geo": "KE",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.centralbank.go.ke/national-payments-system/mobile-payments/"
    },
    {
      "metric": "Active mobile money agents, Kenya",
      "value": "575400",
      "unit": "agents",
      "geo": "KE",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.centralbank.go.ke/national-payments-system/mobile-payments/"
    },
    {
      "metric": "Active mobile money agents, Kenya",
      "value": "564330",
      "unit": "agents",
      "geo": "KE",
      "period": "2026-05",
      "tier": 1,
      "status": "ready",
      "url": "https://www.centralbank.go.ke/national-payments-system/mobile-payments/"
    },
    {
      "metric": "Diaspora remittance inflows through formal channels, Kenya",
      "value": "435495.64",
      "unit": "USD thousand",
      "geo": "KE",
      "period": "2025-12",
      "tier": 1,
      "status": "ready",
      "url": "https://www.centralbank.go.ke/diaspora-remittances/"
    },
    {
      "metric": "Adults without any account (unbanked)",
      "value": "9.88",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations=KE"
    },
    {
      "metric": "Adults for whom raising emergency funds in 30 days is not possible, South Africa",
      "value": "31.79",
      "unit": "percent",
      "geo": "ZA",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/source/global-findex-database"
    },
    {
      "metric": "Account ownership among the poorest 40% by income, Kenya",
      "value": "83.8761640610762",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://api.worldbank.org/v2/country/KEN/indicator/account.t.d.7?source=28&format=json&per_page=100&date=2024"
    },
    {
      "metric": "Nigeria adults who made a digital online merchant payment for an online purchase",
      "value": "4.96",
      "unit": "percent of adults age 15+",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=NG"
    },
    {
      "metric": "Adults for whom raising emergency funds in 30 days is not possible, Nigeria",
      "value": "24.96",
      "unit": "percent",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/source/global-findex-database"
    },
    {
      "metric": "Adults depositing into a mobile money account weekly (Kenya)",
      "value": "36.03",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin13aw?locations=KE"
    },
    {
      "metric": "Mobile money holders who would also like to open a bank account",
      "value": "22.06",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin13_1b?locations=KE"
    },
    {
      "metric": "Adults who received a loan using a mobile phone, Kenya",
      "value": "21.02",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Unbanked adults citing bank/financial institution too far away as reason for no account, Nigeria",
      "value": "19.49",
      "unit": "percent",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Adults who saved money using a mobile money account",
      "value": "50.47",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin17b?locations=KE"
    },
    {
      "metric": "Adults who sent money to a person requesting it via phone or SMS in past 12 months, Kenya",
      "value": "3.16",
      "unit": "percent",
      "geo": "KE",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "South Africa adults who made or received a digital payment, World Bank Global Findex",
      "value": "67.17",
      "unit": "% of population age 15+",
      "geo": "ZA",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/g20.any?locations=ZA"
    },
    {
      "metric": "Adults with no account citing lack of necessary documentation, Nigeria",
      "value": "16.16",
      "unit": "percent",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/source/global-findex-database"
    },
    {
      "metric": "Nigeria adults who borrowed from family or friends",
      "value": "55.22",
      "unit": "percent of adults age 15+",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22b?locations=NG"
    },
    {
      "metric": "Nigeria adults who made or received a digital payment, World Bank Global Findex",
      "value": "54.48",
      "unit": "% of population age 15+",
      "geo": "NG",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/g20.any?locations=NG"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}