GSMA：2025年推进数字金融素养：非洲两项试点项目洞察报告（英文版）

According to the World Bank Global Findex database, 55% of those over 15 in Sub-Saharan Africa had an account at the end of 2021, compared with 23% a decade earlier.1 Mobile money services powered by mobile money providers (MMPs) have driven much of this growth. Recently, rapid growth of other, non-mobile network operator (MNO) players has spurred innovation in the DFS space, improving the user experience (UX) and boosting merchant payments. However, the adoption of adjacent mobile money serv