“Looking ahead, the industry’s growing scale and sophistication will bring new opportunities, and new responsibilities. By prioritising interoperability and cross‑border harmonisation; engaging in digital public infrastructure; strengthening consumer protection and fraud controls; and accelerating women’s inclusion and financial health outcomes, we can ensure mobile money continues to provide safe, inclusive and sustainable digital financial services.”

“While the mobile money usage gap remains a defining challenge, the impressive growth in merchant payments and gains in monthly usage signals a pivotal shift—from access at scale to meaningful, everyday financial use. Continued efforts towards closing the gap will define the next chapter of the industry.”

“It is encouraging to observe steady progress within the industry. For the second year in a row, we have been proud to announce its achievement of major milestones, first in accounts and then in transactions. We are particularly happy to see a widespread rise in the monthly usage of mobile money. Because the active use of all mobile money services offers users more benefits than access alone.”