包容性即时支付系统（SIIPS）2025年现状报告

SIIPS 2025 THE STATE OF INCLUSIVE INSTANTPAYMENT SYSTEMS IN AFRICASIIPS 2025 Acknowledgements Thank you This report includes transaction data for 30 IPS.Eleven IPS operators and 13 central banks provideddata on volume, values, or both through writtensurvey feedback. We sincerely thank the centralbanks of Angola, Egypt, Eswatini, Ghana, Kenya,Lesotho, Madagascar, Mauritius, Morocco, SouthAfrica, Tanzania, Tunisia, and Uganda, and theIPSoperators EthSwitch(Ethiopia),Gamswitch(TheGambia),Integrated Payment SystemsLtd.(IPSL)(Kenya),Natswitch(Malawi),NigeriaInter‑Bank Settlement System(NIBSS),RSwitch (Rwanda), Sociedade Interbancaria deMoçambique(Mozambique),Zambia ElectronicClearingHouse Limited(ZECHL),Zimswitch(Zimbabwe),and Groupement Interbancaire etMonétiquede l’Afrique Centrale(CEMAC)forproviding data to help close information gaps. We would also like to thank Salon Pement Swich(SAPS) and Somalia Instant Payment System (SIPS)for submitting their responses. Because SAPS andSIPS launched within the last year, transactiondata was not yet available. SIMO did not submittransaction value data. We particularly thank the central banks and IPSoperators of Angola, Egypt, Eswatini, Ethiopia, TheGambia,Ghana,Kenya,Lesotho,Madagascar,Malawi, Mauritius, Morocco, Mozambique, Nigeria,Rwanda, South Africa, Tanzania, Tunisia, Uganda,Zambia, and Zimbabwe, the Economic and MonetaryCommunity of Central Africa (CEMAC) and SouthernAfricanDevelopment Community(SADC),forproviding data to help close information gaps. Authors:Sabine F. Mensah and Jacqueline Jumah Thisreport was made possible through thepartnershipinvolving AfricaNenda Foundation,the World Bank Group, and the United NationsEconomicCommission for Africa(UNECA).Genesis Analytics and Lime Group conducted theresearch. These data have enriched the analysis of the IPSlandscape, providing deeper insights into what isworking and where inclusivity gaps remain. Weinvite additional central banks and IPS operatorsto share data, fostering greater transparency andknowledge exchange to expand access to digitalpayments.The list acknowledges contributingcentral banks and IPS operators in alphabeticalorder by country, followed by the regions. Theteam thanks Dr.Robert Ochola,CEO ofAfricaNenda Foundation, for his oversight, as wellas all AfricaNenda colleagues who contributed tothe review process: Felista Amagarat, JamelinoAkogbeto,Nesrine Aouinti,Tewodros Besrat,Patricia Charehwa, Bery Dieye, Akinwale Goodluck,Prince Ilboudo, Serge Moungnanou, John Muthiora,Mabika Tapfumaneyi, and Vanessa Umutoni. Weexpress our profound gratitude to ourdevelopmental editor, Laura Starita of Forge &Refine, and her teammate, Kate Dole, for theirinvaluable contributions. Dadson Wanjiru was ourexcellent proofreader. We also acknowledge withappreciation the illustrators, Joanne Waithaka ofKenya and Katurebe Beni Noel of Rwanda, whoseartwork has enriched this report. In addition, weextend our thanks to the Formato Verde designteamfor their work in enhancing the report’spresentation,and to 3DS WORLD for theiroutstanding translation services. The authors thank the State of Inclusive InstantPayments Systems (SIIPS) in Africa 2024 reportsteering committee, including Farah Farooq andDr. Mactar Seck of UNECA, and Holti Banka,HarishNatarajan and Nilima Ramteke,andotherparticipating members of the Finance,Competitiveness & Innovation team at the WorldBank, for their valuable contributions. This report would not have been possible withoutthe generous support of the Gates Foundation. Theauthors thank the esteemed group ofstakeholders who have contributed to the report,provided feedback, shared their experience, andcooperated with the AfricaNenda, Lime Group, andGenesis Analytics teams on surveys and interviews. Foreword Dr. Robert Ochola,CEO, AfricaNenda Foundation The link between digital payments and economicgrowth is now undeniable. Instant and inclusivepayment systems (IIPS) do more than move money.Theymove economies.Evidence from manycountries shows that digital payments innovationis directly associated with higher GDP growth percapita and lower levels of informality, accordingto a recent study by the Bank for InternationalSettlements. Other independent analyses confirmthat these systems produce measurable gains.Sweden’sSwish instant payment platform,forexample, has been linked to an estimated 0.5%uplift in GDP and a 10% increase in the velocityof money, according to research by Ernst andYoung. This demonstrates what is possible wheninstant person‑to‑person and person‑to‑businesspayments scale: money moves faster, householdsandbusinesses transact more frequently,andeconomies accelerate. Today, with the launch of the fourth edition, I takethis opportunity to congratulate African centralbanks, payment operators, and financial sectorstakeholders.Their continued commitment tomodernizing payment ecosystems and advancingfinancialinclusion remains the bedrock oftransformation. I extend my deepest grat