Case Studies
A curated collection of research reports, articles, and more – your source for valuable project insights.
Financial Inclusion
10 January 2026Team Shega
Lersha’s Inclusive Agri-Finance in Ethiopia and the Role of National IDThis case study explores how Ethiopia’s National
ID system, Fayda, combined with Lersha’s phygital agrifinance model, is improving smallholder farmers’ access to credit. Ethiopia’s agricultural finance gap remains large, with only 2% of the ETB 2.58 trillion demand met due to weak identification, fragmented data, rigid collateral requirements, and high rural transaction costs. Fayda enables secure KYC and digital credit scoring, while Lersha supports last-mile onboarding and value-chain financing. Pilots supported by National ID, Ethio Telecom and partners achieved more than 98% repayment rate, proving smallholders are bankable when identity and data are integrated.
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11 November 2025Team Shega
Assessment of Women Centric Financial Products in EthiopiaExplore how Ethiopia’s financial sector is developing women-centric products to close the gender gap in access to finance. This report highlights how tailored savings, credit, and insurance solutions can empower women, strengthen financial resilience, and advance national goals for inclusive growth and gender equality, assesses barriers to women financial inclusion .
READ MOREDigital Finance
11 August 2025Team Shega
How Kifiya's Technology Infrastructure is Empowering Ethiopian MSMEsDiscover how Kifiya Financial Technology is leveraging AI-powered alternative credit scoring to expand access to finance for Ethiopia’s micro, small, and medium enterprises (MSMEs). This case study highlights how Kifiya’s Banking Platform as a Service (BPaaS) and Origination & Verification Platform (OVP) are enabling faster, more inclusive, and data-driven lending for underserved businesses, while supporting national goals for 70% financial inclusion by 2025.
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25 July 2025Team Shega
Integration of Digital Financial Services with Microfinance Institutions in EthiopiaThe case study report explores how Microfinance Institutions (MFIs) in Ethiopia are integrating Digital Financial Services (DFS) to enhance financial inclusion, particularly in rural areas. It highlights the progress made by some MFIs in adopting digital tools like mobile wallets and core banking systems, while also
addressing challenges such as high technology costs, limited digital literacy, and infrastructure gaps. The report also emphasizes that digitization is essential for MFIs to expand outreach, improve efficiency, and empower underserved communities.
READ MOREDigital Finance
09 June 2025Team Shega
The Integration of Digital Financial Services in PSNP Programs - Analysis of Ethiopia's Rural PSNPExplore how Ethiopia’s Productive Safety Net Program (PSNP) is embracing digital financial services to improve payment delivery, boost financial inclusion, and enhance transparency. This report highlights how DFS is enabling faster, more transparent, and inclusive payments for millions of low-income households, while supporting national goals for financial inclusion.
READ MOREDigital Finance
04 May 2025Team Shega
A Review of National ID and Financial Inclusion in EthiopiaThis case study examines how national ID system, drive financial inclusion by enabling broader access to banking and digital services. It explores the benefits, challenges, and global lessons in leveraging digital identity for inclusive growth.
READ MOREDigital Finance
25 July 2024Team Shega
Digital Payments in EthiopiaDiscover how the digital transformation is revolutionizing the global economy, with a focus on the payment industry. Explore the impact of digital payments, such as mobile money and virtual debit cards, on financial inclusion, transaction security, and cost reduction. Learn about Ethiopia's initiatives to digitize its payment ecosystem and the National Digital Payment Strategy aiming for 49% digital transactions by 2025.
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