2025非洲会计技术行业报告

2025 A F R I C AA C C O U N T E C HS E C T O RR E P O R T AFRICAN ACCOUNTECH SECTOR REPORT 2025 © 2025 The Techy Accountant. All Rights Reserved.No part of this report may be reproduced, distributed, or transmitted in any form or by any means,including photocopying, recording, or other electronic or mechanical methods, without the priorwritten permission of the publisher, except in the case of brief quotations for critical reviews orother non-commercial uses permitted by copyright law. ONTECONTENT 01THE STATE OF ACCOUNTECH INAFRICA1.1 We1.2 Where We Are Now: Market overview1.3 Regional Outlook1.4 What’s Shaping the Sector57101113 INSIDE THE ACCOUNTECHMINDSET4.1 Case Study - Tyms4.2 Interview - Zest’s Journey AndProduct Insights04353741 GLOBAL OUTLOOK & FUTURETRENDS5.1 What Africa Can Learn from theU.S. AccounTech Journey: Insightinto Strategy, Policy, and TalentDevelopment5.2 ACCA Article: Global Perspectiveon AI Adoption in the AccounTechLandscape & Prospects05485056 REGULATION, POLICY & PUBLICFINANCE2.1 The Public Sector as an InnovationCatalyst2.2 Overview of the Regulatory Landscape16182102 THE MSMEs PERSPECTIVE3.1 Business Owners at the Heart of theShift3.2 Deep Dive into the Insights3.3 Pain Points & Financial LiteracyChallenges3.4 Bridging the Operational Gap: HowAccounTech is Supporting Scalability inRetail and Microinsurance242627303103 FOUR QUADRANTS HIGHLIGHTINGTHE ACCOUNTECH SECTOR0658 STRATEGICRECOMMENDATIONS0760 METHODOLOGY0862 REFERENCES0964 FOREWORD Over the past decade, Africa’s financial landscapehas undergone a remarkable shift. What wasonce seen as traditional accounting has evolvedinto a broader and more dynamic field calledAccounTech, shaped by innovation, globalstandards, and the growing demand for sustainableand inclusive financial systems. This evolution istransforming how we think about money, access,accountability, and economic growth across thecontinent. At the heart of this transformation lies theconvergence of accounting, financial services, andtechnology. From AI-powered bookkeeping anddigital tax platforms to embedded finance tools andESG-aligned reporting systems, AccounTech is nota vision of the future, it is our current reality. Importantly, this publication is not intended toprovide all the answers. Rather, it is a starting point,a base of insight and dialogue that can spark bettertools, smarter policies, and stronger partnerships. Yet despite this momentum, there remains asignificant gap: the absence of structured data-driven insights into what is truly happening withinthe ecosystem. Where is growth concentrated?Which technologies are gaining traction? Whatpolicies are enabling or hindering progress? Andhow are stakeholders from entrepreneurs to publicofficials, adapting to these shifts? We are deeply grateful to our contributors, researchpartners, and industry leaders whose insights haveshaped this report. We also extend our appreciationto the many accountants, entrepreneurs, andbusiness owners who took the time to participate inour surveys, their voices are at the core of this work. As we move forward, we hope this report helpsinform strategy, inspire action, and catalyze deepercollaboration. Let it serve not just as a record ofwhere we are today, but as a call to build a moreresilient, inclusive, and tech-enabled financialfuture across Africa. This inaugural Africa AccounTech SectorReport was created to help answer thosequestions. It represents the collectivevoices of accountants, businessowners, regulators, and AccounTechentrepreneurs from across the continent,and offers key findings from targetedsurveys, expert commentaries, andmarket research. Oluwatoyin Olufon (FCCA, ACA, ACTI, INSEAD Alumna) Founder, LefortConvener, AccounTech Summit InternationalFounder, The Techy Accountant ECTIO01 ION ONTHE STATE OFACCOUNTECHINAFRICA ... Africa’s AccounTech future willnot be copied and pasted. It mustbe built by Africans, for Africa. 1.1 WE Across the continent, a quiet revolution is taking place in the way businesses, governments, andprofessionals manage finance. From Lagos to Nairobi, Johannesburg to Accra, there is growingrecognition that accounting must evolve beyond spreadsheets andpaper trails to meet the demands of a fast-moving digital economy.Yet, the journey is far from linear. While some regions boast of robust adoption of cloud-based tools and AI-driven accounting software,others still struggle with poor internet infrastructure, low digital literacy, or limited awareness of whatAccounTech even means. In this evolving space, local innovation is emerging as a critical need. Manysolutions in the African market today are imported, expensive, and sometimes mismatched with localrealities. But hope is rising as homegrown startups are beginning to design tools that simplify compliance,automate processes, and empower both small businesses and professional accountants. What remainsclear is this: Africa’s AccounTech future will not be copied and