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Financial inclusion and access to global finance have always been lacking in sub-Saharan Africa. Although gains have been made, as of 2021 only 55% of the population had a bank account, according to the World Bank. The problem is more acute in rural areas, where banks are few and far between. Mobile banking solutions that allow users to transfer money and access microfinance, including lending and insurance, through their cell phones have existed since 2007, but their effectiveness in supporting economic development is contested.

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