包容性即时支付系统（SIIPS）2025年现状报告（英）

THE STATE OF INCLUSIVE INSTANTPAYMENT SYSTEMS IN AFRICASIIPS 2025THE STATE OF INCLUSIVE INSTANT PAYMENT SYSTEMS IN AFRICASIIPS 2025AcknowledgementsThank you Authors: Sabine F. Mensah and Jacqueline Jumah This report was made possible through the partnership involving AfricaNenda Foundation, the World Bank Group, and the United Nations Economic Commission for Africa (UNECA). Genesis Analytics and Lime Group conducted the research. The team thanks Dr. Robert Ochola, CEO of AfricaNenda Foundation, for his oversight, as well as all AfricaNenda colleagues who contributed to the review process: Felista Amagarat, Jamelino Akogbeto, Nesrine Aouinti, Tewodros Besrat, Patricia Charehwa, Bery Dieye, Akinwale Goodluck, Prince Ilboudo, Serge Moungnanou, John Muthiora, Mabika Tapfumaneyi, and Vanessa Umutoni. The authors thank the State of Inclusive Instant Payments Systems (SIIPS) in Africa 2024 report steering committee, including Farah Farooq and Dr. Mactar Seck of UNECA, and Holti Banka, Harish Natarajan and Nilima Ramteke, and other participating members of the Finance, Competitiveness & Innovation team at the World Bank, for their valuable contributions. The authors thank the esteemed group of stakeholders who have contributed to the report, provided feedback, shared their experience, and cooperated with the AfricaNenda, Lime Group, and Genesis Analytics teams on surveys and interviews. We particularly thank the central banks and IPS operators of Angola, Egypt, Eswatini, Ethiopia, The Gambia, Ghana, Kenya, Lesotho, Madagascar, Malawi, Mauritius, Morocco, Mozambique, Nigeria, Rwanda, South Africa, Tanzania, Tunisia, Uganda, Zambia, and Zimbabwe, the Economic and Monetary Community of Central Africa (CEMAC) and Southern African Development Community (SADC), for providing data to help close information gaps. We express our profound gratitude to our developmental editor, Laura Starita of Forge & Refine, and her teammate, Kate Dole, for their invaluable contributions. Dadson Wanjiru was our excellent proofreader. We also acknowledge with appreciation the illustrators, Joanne Waithaka of Kenya and Katurebe Beni Noel of Rwanda, whose artwork has enriched this report. In addition, we extend our thanks to the Formato Verde design team for their work in enhancing the report’s presentation, and to 3DS WORLD for their outstanding translation services. This report would not have been possible without the generous support of the Gates Foundation.This report includes transaction data for 30 IPS. Eleven IPS operators and 13 central banks provided data on volume, values, or both through written survey feedback. We sincerely thank the central banks of Angola, Egypt, Eswatini, Ghana, Kenya, Lesotho, Madagascar, Mauritius, Morocco, South Africa, Tanzania, Tunisia, and Uganda, and the IPS operators EthSwitch (Ethiopia), Gamswitch (The Gambia), Integrated Payment Systems Ltd. (IPSL) (Kenya), Natswitch (Malawi), Nigeria Inter‑Bank Settlement System (NIBSS), RSwitch (Rwanda), S