Multi-User Digital Banking for Families

This report explores the potential benefits and applicability of a multi-user digital banking model in Ethiopia, aiming to provide households with secure, shared access to digital financial accounts. The primary target audiences for this use case report are digital financial service providers (banks, fintechs, and mobile money operators), regulators and policymakers, and technology developers. By addressing the exclusion of women, youth, and elderly dependents from household financial management, a multi-user DFS model could enhance financial inclusion, household-level transparency, and security. A well-structured system would enable role-based access with permissions such as viewing balances, making payments, and tracking expenses, ensuring that digital finance better reflects Ethiopia’s household realities.