非洲包容性即时支付系统现状报告2024

SIIPS 2024 THE STATE OF INCLUSIVEINSTANT PAYMENT SYSTEMSIN AFRICA SIIPS 2024 Thank you Acknowledgments We sincerely thank the central banks of Angola, Egypt,The Gambia, Ghana, Kenya, Lesotho, Madagascar,Mauritius, South Africa, Tanzania, Tunisia, and Uganda,and the IPS operators EthSwitch (Ethiopia), Gamswitch(TheGambia),Integrated Payment Systems Ltd.(Kenya),Natswitch(Malawi),Nigeria Inter-BankSettlement System, RSwitch (Rwanda), BankservAfrica(SouthAfrica),Zambia Electronic Clearing HouseLimited (ZECHL), Zimswitch Technologies (PVT) Ltd.(Zimbabwe), and GIMAC (CEMAC) for providing data tohelp close information gaps. This data has helped enrich the analysis of the IPSlandscape and enable deeper insights into what isworking and where inclusivity gaps remain. We invitemorecentral banks and instant payment systemoperators to share data and contribute to increasingtransparencyand sharing knowledge that enablesaccessto digital payments.The list recognizescontributingcentral banks and IPS operators inalphabetical order by country. Authors:Sabine Mensah and Jacqueline Jumah This report was made possible through the partnershipinvolving AfricaNenda, the World Bank Group, andthe United Nations Economic Commission for Africa(UNECA). Cenfri and Frontier Consulting Services Ltd.conducted the research. Weparticularly thank the central banks and IPSoperators of Angola, Egypt, Ethiopia, The Gambia,Ghana, Kenya, Lesotho, Madagascar, Malawi, Mauritius,Nigeria,Rwanda,South Africa,Tanzania,Tunisia,Uganda, Zambia, and Zimbabwe, the Economic andMonetary Community of Central Africa (CEMAC) andSouthern African Development Community (SADC), forproviding data to help close information gaps. Theteam thanks Dr.Robert Ochola,CEO of theAfricaNenda Foundation, for his oversight, as well asall AfricaNenda colleagues who contributed to thereview process: Akinwale Goodluck, Bery Dieye, FelistaAmagarat, Jamelino Akogbeto, John Muthiora, PatriciaCharehwa,Nadia Dafir,Nesrine Aouinti,VanessaUmotoni, and Tewodros Besrat. Weexpressourprofoundgratitudetoourdevelopmental editor, Laura Starita from Forge &Refine, for her invaluable contribution. Additionally,we extend our appreciation to the Formato Verdedesignteam for their work in enhancing theappearance of this report, and to 3DS WORLD fortheir outstanding translation work. Theauthors thank the State of Inclusive InstantPayment Systems (SIIPS) in Africa 2024 report steeringcommittee,includingDr.MactarSeckofUNECA,andHarish Natarajan, Holti Banka, NilimaRamteke,and other participating members oftheFinance,Competitiveness & Innovation team atthe World Bank, for their valuable contributions. This report would not be possible without the generoussupport of the Bill & Melinda Gates Foundation. The authors thank the esteemed group of stakeholderswhohave contributed to the report,providedfeedback, shared their experience, and cooperatedwith the AfricaNenda and Cenfri teams on surveysand interviews. About this report The State of Inclusive Instant Payment Systems (SIIPS)in Africa 2024 report is a flagship annual report bythe AfricaNenda Foundation. The SIIPS report aimsto inform public‑sector and private‑sector playersin Africa and beyond about the developments in theinstant retail payment system (IPS) ecosystem inAfrica, including an assessment of the inclusivityof such systems, both in functionality (accessibletoall end users)and governance(all licensedpayment providers have fair access and design input opportunities). For this report, only systems with livetransactions and functionality as of June 2024 wereincluded. The authors gathered the data in this reportdirectly from central banks and public or public‑privateinstantpayment system operators in Africa andfrom publicly available resources between Januaryand June 2024. The findings also include insightsfromextensive stakeholder interviews conductedduring the same period. The consumer research wasconducted between February and March 2024. Foreword Rodger VoorhiesPresident,Global Growth & Opportunity,Bill & Melinda Gates Foundation Foreword Dr. Robert Ochola,Chief Executive Officer,AfricaNenda Foundation The digital transformation in Africa continues to unfoldat an incredible pace and is poised to accelerate evenfaster on the back of inclusive and instant paymentsystems (IIPS), which have the potential to reshapethe continent’s economic landscape. Indeed, over thelast decade, Africa has seen a dramatic increase inthe availability of digital payments. Since 2012, whenthere were just two instant payment systems on thecontinent, the infrastructure has grown to include 31systems processing digital payments for 26 countries. As a lifelong advocate for financial inclusion, I knowthe power of compelling stories to make the case forgiving people access to safe, secure, and affordablefinancial tools. But it is equally important to backthose stories up with rigorous evidence to supportdecision making. such as digital payments, ID, data e