The State of Inclusive Instant Payment Systems in Africa – 2025 report

SIIPS 2025

SIIPS 2025 REPORT

SIIPS 2025 explores the latest shifts in instant payment systems across Africa. The report highlights key trends, challenges, and opportunities to shape digital payments, with a focus on inclusion and the role of IPS in advancing digital public infrastructure (DPI).

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Download the Executive Summary

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Interactive Map

Key Data Infographics

Get a quick view of the numbers behind SIIPS 2025.

MORE KEY DATA AVAILABLE IN SIIPS 2025

Consumer Videos

Hear directly from IPS users across Côte d’Ivoire and Tunisia.

Case Studies

Dive into selected IPS schemes: their journey, governance, operations, and lessons learned on inclusivity and innovation.

IPN: Egypt

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EthSwitch: Ethiopia

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SIMO: Mozambique

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NIBSS: Nigeria

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Consumer Research Insights

Discover what consumers expect from instant payments. Insights are drawn from diverse African markets.

Cross Country Research Insights

Angola

Cote d’Ivoire

Madagascar

Tunisia

More Insights on IPS in Africa

SIIPS 2025 brings together case studies, consumer voices, and data-driven analysis to help stakeholders drive inclusive digital payments across the continent.

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In the media
26 November 2024
AfricaNenda Launches The SIIPS Report 2024
In partnership with the World Bank and the United Nations Economic Commission for Africa (UNECA), Africa Nenda has launched the SIIPS Report 2024.
In the media
26 November 2024
Regulatory harmonization critical to cross-border payments in Africa – AfricaNenda
Private sector players in the digital payments industry across Africa have been ready for years to integrate and drive cross-border payments to boost intra Africa trade, but they are unable to because there is no regulatory harmonization to deal with currency differences and ensure seamless cross-border transactions.
In the media
26 November 2024
Instant payment systems in Africa embracing inclusivity despite multiple challenges
More than 400 million people in Africa are financially excluded which makes them to be left behind from benefitting the finance and economic activities of their respective countries, according to the State of Inclusive Instant Payment Systems (SIIPS 2024) annual report.

24 October 2025
Unlocking Pan-African Trade: The Transformative Power of Regional Instant Payment Systems
Africa is entering a new era of regional integration. This Focus Note explores how regional instant payment systems (IPS) are revolutionizing cross-border trade by lowering costs, enabling local-currency settlements, and connecting banks, fintechs, and mobile money operators.
26 June 2025
DPI Roadmap Playbook
A DPI Roadmap is a critical tool to define priority objectives and use cases, gain alignment among key stakeholders, and shape the national digital strategy. This first release of the DPI Roadmap Playbook is a step-by-step guide that helps countries to build a customized DPI roadmap that meets their own unique needs.
7 April 2025
AfricaNenda Annual Report 2024
2024 marked a pivotal moment for AfricaNenda as we transitioned into an independent organization, solidifying our role as a key enabler of financial inclusion across the continent. Our mission to accelerate the growth of instant and inclusive payment systems in Africa has never been more critical. Despite significant progress in digital financial services, approximately 400 million Africans remain excluded from formal financial systems, underscoring the urgency of our work.