2026年非洲國家賴索托的 Fintech 生態系統發展現況

Laos has an economy of about $17 billion and GDP per capita of roughly $2,700, and has long relied on hydropower, mining, agriculture and tourism. Limited banking coverage in rural areas has made digital finance critical to closing service gaps. The government is advancing the transition through its National Digital Economy Strategy 2021–2030, while BCEL One from Banque pour le Commerce Extérieur Lao (BCEL) is a major mobile banking service.

A May 23, 2026, review by The Fintech Times found that Laos had about 25 active fintech companies, concentrated in mobile payments, remittances and digital wallets. World Bank data showed that only about 45% of adults had access to formal financial services in 2025, while mobile penetration had already exceeded 70%. The Bank of the Lao P.D.R. has also expanded cross-border interoperability between Lao QR and Thailand's PromptPay and continues to pursue payment integration with Vietnam.

本文分析了黎巴嫩在 2026 年金融科技（Fintech）領域的最新發展動態與生態系統現況。重點探討該國在數位金融服務、支付創新及整體金融科技環境的演進。

本文分析利比亞在 2026 年的金融科技生態系統，探討該國在數位支付、金融服務數位化及科技創新應用的最新發展趨勢。

Liberia has long relied heavily on cash, with limited access to bank branches outside the capital, Monrovia, and financial exclusion remaining widespread. The country has GDP of about $4.8 billion and per-capita GDP of only around $800, but mobile penetration has reached 70%–80%, providing an entry point for digital finance. About 35%–40% of adults currently have a formal financial account, making fintech crucial to expanding access to payments and financial services for rural communities and small and medium-sized businesses.

An April 20, 2026 report showed that Liberia had only about 20–30 relevant providers, led by Orange Money Liberia and homegrown wallet TipMe. In 2025, the Central Bank of Liberia (CBL) partnered with the Mojaloop Foundation to launch the Instant and Inclusive Payment System (IIPS), an interoperable real-time payment platform. In 2026, the government also announced the Ministry of Posts and Telecommunications’ 2025–2029 “Digital Liberia” plan.

本文分析 2026 年迦納的 Fintech 生態系統發展趨勢與現狀。迦納作為非洲金融科技的重要發展據點，其數位支付、行動金融及相關創新服務的成熟度與市場動態受到關注。

本文分析非洲國家甘比亞在 2026 年的金融科技發展現狀。內容聚焦於該國數位金融服務的轉型趨勢，以及科技如何推動當地金融普惠與經濟成長。

Eritrea’s financial system is centrally managed by the Bank of Eritrea, while retail services rely largely on the state-owned Commercial Bank of Eritrea. More than 70% of the population is unbanked, and online banking, ATMs and mobile financial services remain scarce. Digital payments are therefore a key foundation for narrowing the financial-services gap and advancing Eritrea Vision 2030.

The Fintech Times reported on March 30, 2026, that Eritrea had fewer than five fintech or digital financial-services providers and less than $10 million in annual online commerce transactions. Digital payments and e-commerce transactions, however, are estimated to be growing by 15%–20% a year. A mobile wallet from state-owned telecom operator EriTel is emerging as a gateway, but independent startups, venture capital and Open Banking remain almost entirely absent.

Linking the North African and Middle Eastern markets, Egypt’s fintech sector has grown from regulatory experiments and an emerging startup scene into one of Africa’s “Big Four” ecosystems. FinTech Egypt counts more than 177 fintech startups and payment service providers across more than 14 subsectors. Backed by Egypt Vision 2030 and the Central Bank of Egypt (CBE), the industry has become a key driver of financial inclusion and economic digitalization.

The Fintech Times published its review on March 28, 2026. Egypt has more than 116 million mobile subscriptions, 90 million internet users and over 54 million active users of digital financial services. The market is projected to grow from $765 million in 2024 to nearly $2.9 billion by 2033. The CBE issued licensing rules for payment providers in 2025, while Visa partnered with MNT-Halan in 2026 to expand card issuance and digital payments.