The Digital Banking & Tech Revolution in EM


There are 4.8bn adults in emerging markets and over 4bn of them own at least one mobile phone, a massive opportunity for tech innovators and a huge risk for traditional services that fail to adapt.

Technological innovators are disrupting traditional banking in EM and FM. The number of global users of mobile money – a key component of digital banking in EM, where bank branches can be few and far between and broadband access is uneven – rose by 20% in 2018, from 723mn to 866mn.

Markets with large unbanked populations and high mobile phone penetration are best placed for further expansion, in our view. In this report, we sift the data to show which countries’ mobile money markets are best placed to see further strong growth.

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