Ethiopia’s mobile money ecosystem is expanding, but adoption remains uneven. While most adults now own mobile phones and are aware of mobile money services, only a small share actively use them. The gap is most visible across gender lines, where women face compounded barriers linked to digital skills, affordability, and handset access. At the same time, rising mobile money credit usage and everyday transaction use cases signal strong latent demand. This AKOFADA visual unpacks the contrast between access and actual usage, highlighting where progress is happening and where inclusive design and literacy must catch up.
