In Zambia, Cameroon, and South Sudan, digital financial inclusion has been recognized as a crucial tool to bridge the financial gap in underserved regions. Each country faces unique challenges and opportunities in its journey toward financial inclusion, particularly in leveraging mobile wallets to improve access to financial services.

• Zambia demonstrates significant progress, with mobile money adoption contributing to a 69.4% financial inclusion rate, driven by widespread mobile phone penetration and robust infrastructure in urban areas.
• Cameroon is witnessing rapid adoption of mobile wallets, particularly in urban areas like Douala and Yaoundé. However, rural regions face limitations in infrastructure and digital literacy, with gender disparities prominent in mobile wallet use.
• South Sudan is at the early stages of mobile money adoption, with mobile money usage hindered by infrastructural deficits, especially in rural areas. Adoption remains low but has shown signs of growth through humanitarian efforts and new service providers like m-Gurush.