The country does not have the foundational digital rails in place (policy and regulation, ID infrastructure, phone ownership, agent network and digital financial services) to allow the development of digital services beyond voice and Internet. There are no providers offering mass-market digital services beyond telecommunication services. Citizens cannot rely on technology to access and use services in finance or other areas.
The country has the relevant foundational digital rails (see above) in place for citizens to access and use some basic digital services, mainly in the payment/finance sector. Several providers are offering mass-market digital financial services reaching the unbanked. Innovation is still in its infancy, with some incubators and starts-ups launching services and with limited use cases leveraging payment services.
With the digital rails in place and digital payment systems becoming widely available and actively used, the innovation ecosystem has started to develop, with various new partnerships and services in a range of domains (e.g. finance, agriculture, energy, health, education, ecommerce). Citizens have started to gain access and use a series of new services on the market beyond digital payment services. Numerous players (providers, fintech, start-ups, entrepreneurs, incubators, etc.) are developing in the market.
Citizens benefits from a large offering of digital services in various domains that are accessible and easy to use. They enjoy a choice of providers. In this stage, providers have moved beyond a focus on access and usage; now they are competing to keep their clients and focusing their attention on how to add value and increase the impact of their services for their clients.
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