Digital banking is the in-thing -- but it excludes many users in Tanzania and Senegal

By Laura Caron, PhD student in Economics, Columbia University

Across countries in Africa, only 33% of adults have an account at a bank or another financial institution. Among the women, this rate is only 27%.

Financial services like accounts, credit cards and retirement plans allow people to protect their savings, earn interest, borrow for big expenses like a house or medical bills, and even start their own businesses. This is why financial inclusion is mentioned in eight out of 17 of the Sustainable…

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