Report
Mobile banking report: Intelligence, inclusion, and new competitive realities
5 January 2026
5 January 2026
mins
Mobile is now the primary way customers engage with banks across Africa. As competition intensifies, banks must deliver mobile experiences that are both intelligent and inclusive. Based on insights from 200+ senior banking leaders across 40 African markets, this report explores how banks are evolving mobile strategies to compete, grow, and stay relevant.
What’s inside
- Why mobile has become the key battleground for digital banking
- How banks balance inclusion (USSD, basic phones) with intelligent experiences
- The competitive landscape: banks, fintechs, and mobile money providers
- Barriers limiting adoption and how banks are addressing them
- Strategic priorities for winning in a mobile-first world
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Table of contents
Key findings
From adoption levels to infrastructure and security challenges, these insights reveal the forces shaping mobile banking strategies across Africa.
65.6%
of banks cite connectivity issues as the biggest barrier to mobile adoption
of banks cite connectivity issues as the biggest barrier to mobile adoption
