29/04/2026
: As technology advances, Sub-Saharan Africa continues to face the lowest level of financial inclusion globally, despite strong signs of transformation. According to projections by Mastercard, Africa’s digital payments economy could reach $1.5 trillion by 2030, with smartphone adoption exceeding 87%.
In Burundi, recent figures reflect encouraging progress: 7.7 million mobile money users, a financial inclusion rate of 78.7%, more than 158,000 registered agents, and over 101.6 million transactions recorded in Q3 2025.
However, despite this momentum and clear potential, significant structural barriers continue to limit fintech’s full contribution. Regulatory constraints, limited access to finance, infrastructure gaps, and low levels of digital literacy remain key challenges, slowing the sector’s ability to unlock inclusive growth.
Addressing these challenges is essential, particularly in a context where empowering SMEs is central to driving national economic growth. Fintech and decentralized technologies can play a catalytic role in enabling small and medium-sized enterprises to access finance, scale operations, and engage more effectively in cross-border trade. By lowering transaction costs and reducing reliance on intermediaries, these innovations can help businesses take full advantage of expanded regional markets and strengthen participation in free trade frameworks.
At Free Tech Institute, we are convinced that Burundian startups are uniquely positioned to build solutions aligned with this vision. Through our recent workshop, we brought together innovative entrepreneurs, policymakers, academics, and ecosystem actors to foster dialogue and identify practical pathways to support SMEs, facilitate cross-border commerce, and accelerate inclusive economic transformation.
Atlas Network Human Rights Foundation (HRF)